Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$20,583Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$33,908The complete starting cash picture.
Estimated remaining funds due at closing
$33,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,583.34
Your down payment$20,583.34
Closing costs + prepaids$13,324.92
Total buyer cash needed$33,908.26
Remaining funds due$33,908.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,040.00
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)$1,374.50
Initial HOA (3 months)$114.99
Prepaid interest, first (23 days)$1,570.43
Fees + prepaids$13,324.92
Your down payment is the seller’s equity. You take over the $383,417 balance, so the rest of the $404,000 price is paid at closing. A second mortgage can cover part of it. $33,908.26 is due at closing. Uses and sources reconcile at $417,324.92 each. Not a Closing Disclosure.