Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,425Cash toward the purchase price.
Closing costs + prepaids$13,103Not just lender fees.
Before credits & paid funds$32,529The complete starting cash picture.
Estimated remaining funds due at closing
$32,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,425.25
Your down payment$19,425.25
Closing costs + prepaids$13,103.35
Total buyer cash needed$32,528.60
Remaining funds due$32,528.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$421.50
Initial HOA (3 months)$47.01
Prepaid interest, first (31 days)$2,210.84
Fees + prepaids$13,103.35
Your down payment is the seller’s equity. You take over the $400,475 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $32,528.60 is due at closing. Uses and sources reconcile at $433,003.35 each. Not a Closing Disclosure.