Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,616Cash toward the purchase price.
Closing costs + prepaids$12,924Not just lender fees.
Before credits & paid funds$31,540The complete starting cash picture.
Estimated remaining funds due at closing
$31,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,616.06
Your down payment$18,616.06
Closing costs + prepaids$12,924.28
Total buyer cash needed$31,540.34
Remaining funds due$31,540.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$597.50
Initial HOA (3 months)$117.00
Prepaid interest, first (30 days)$1,784.78
Fees + prepaids$12,924.28
Your down payment is the seller’s equity. You take over the $401,384 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $31,540.34 is due at closing. Uses and sources reconcile at $432,924.28 each. Not a Closing Disclosure.