Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,444Cash toward the purchase price.
Closing costs + prepaids$13,137Not just lender fees.
Before credits & paid funds$37,581The complete starting cash picture.
Estimated remaining funds due at closing
$37,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,443.78
Your down payment$24,443.78
Closing costs + prepaids$13,136.75
Total buyer cash needed$37,580.53
Remaining funds due$37,580.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$1,077.25
Initial HOA (3 months)$68.76
Prepaid interest, first (24 days)$1,565.75
Fees + prepaids$13,136.75
Your down payment is the seller’s equity. You take over the $395,555 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $37,580.53 is due at closing. Uses and sources reconcile at $433,135.75 each. Not a Closing Disclosure.