Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$19,943Cash toward the purchase price.
Closing costs + prepaids$11,918Not just lender fees.
Before credits & paid funds$31,861The complete starting cash picture.
Estimated remaining funds due at closing
$31,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,943.46
Your down payment$19,943.46
Closing costs + prepaids$11,917.94
Total buyer cash needed$31,861.40
Remaining funds due$31,861.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,148.99
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)$498.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$895.95
Fees + prepaids$11,917.94
Your down payment is the seller’s equity. You take over the $394,956 balance, so the rest of the $414,899 price is paid at closing. A second mortgage can cover part of it. $31,861.40 is due at closing. Uses and sources reconcile at $426,816.94 each. Not a Closing Disclosure.