Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$19,609Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$31,245The complete starting cash picture.
Estimated remaining funds due at closing
$31,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,608.87
Your down payment$19,608.87
Closing costs + prepaids$11,635.93
Total buyer cash needed$31,244.80
Remaining funds due$31,244.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$492.00
Prepaid interest, first (12 days)$819.93
Fees + prepaids$11,635.93
Your down payment is the seller’s equity. You take over the $390,291 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $31,244.80 is due at closing. Uses and sources reconcile at $421,535.93 each. Not a Closing Disclosure.