Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,226Cash toward the purchase price.
Closing costs + prepaids$12,457Not just lender fees.
Before credits & paid funds$31,683The complete starting cash picture.
Estimated remaining funds due at closing
$31,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,225.95
Your down payment$19,225.95
Closing costs + prepaids$12,457.39
Total buyer cash needed$31,683.34
Remaining funds due$31,683.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$593.75
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$1,223.64
Fees + prepaids$12,457.39
Your down payment is the seller’s equity. You take over the $399,774 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $31,683.34 is due at closing. Uses and sources reconcile at $431,457.39 each. Not a Closing Disclosure.