Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,280Cash toward the purchase price.
Closing costs + prepaids$14,208Not just lender fees.
Before credits & paid funds$35,488The complete starting cash picture.
Estimated remaining funds due at closing
$35,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,280.13
Your down payment$21,280.13
Closing costs + prepaids$14,207.69
Total buyer cash needed$35,487.82
Remaining funds due$35,487.82
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)$1,302.00
Initial HOA (3 months)$732.00
Prepaid interest, first (23 days)$1,748.69
Fees + prepaids$14,207.69
Your down payment is the seller’s equity. You take over the $398,720 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $35,487.82 is due at closing. Uses and sources reconcile at $434,207.69 each. Not a Closing Disclosure.