Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,543Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$32,419The complete starting cash picture.
Estimated remaining funds due at closing
$32,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,542.57
Your down payment$19,542.57
Closing costs + prepaids$12,876.11
Total buyer cash needed$32,418.67
Remaining funds due$32,418.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,929.00
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)$576.50
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$2,010.61
Fees + prepaids$12,876.11
Your down payment is the seller’s equity. You take over the $373,357 balance, so the rest of the $392,900 price is paid at closing. A second mortgage can cover part of it. $32,418.67 is due at closing. Uses and sources reconcile at $405,776.11 each. Not a Closing Disclosure.