Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,182Cash toward the purchase price.
Closing costs + prepaids$13,431Not just lender fees.
Before credits & paid funds$45,614The complete starting cash picture.
Estimated remaining funds due at closing
$45,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,182.08
Your down payment$32,182.08
Closing costs + prepaids$13,431.46
Total buyer cash needed$45,613.55
Remaining funds due$45,613.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,008.75
Prepaid interest, first (28 days)$1,998.71
Fees + prepaids$13,431.46
Your down payment is the seller’s equity. You take over the $387,718 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $45,613.55 is due at closing. Uses and sources reconcile at $433,331.46 each. Not a Closing Disclosure.