Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,759Cash toward the purchase price.
Closing costs + prepaids$13,236Not just lender fees.
Before credits & paid funds$36,996The complete starting cash picture.
Estimated remaining funds due at closing
$36,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,759.40
Your down payment$23,759.40
Closing costs + prepaids$13,236.19
Total buyer cash needed$36,995.59
Remaining funds due$36,995.59
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)$405.25
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$2,181.94
Fees + prepaids$13,236.19
Your down payment is the seller’s equity. You take over the $395,241 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $36,995.59 is due at closing. Uses and sources reconcile at $432,236.19 each. Not a Closing Disclosure.