Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$33,189Cash toward the purchase price.
Closing costs + prepaids$12,734Not just lender fees.
Before credits & paid funds$45,923The complete starting cash picture.
Estimated remaining funds due at closing
$45,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,189.32
Your down payment$33,189.32
Closing costs + prepaids$12,733.87
Total buyer cash needed$45,923.19
Remaining funds due$45,923.19
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)$217.50
Prepaid interest, first (29 days)$2,092.37
Fees + prepaids$12,733.87
Your down payment is the seller’s equity. You take over the $386,711 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $45,923.19 is due at closing. Uses and sources reconcile at $432,633.87 each. Not a Closing Disclosure.