Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$8,217Cash toward the purchase price.
Closing costs + prepaids$12,647Not just lender fees.
Before credits & paid funds$20,863The complete starting cash picture.
Estimated remaining funds due at closing
$20,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,216.53
Your down payment$8,216.53
Closing costs + prepaids$12,646.59
Total buyer cash needed$20,863.12
Remaining funds due$20,863.12
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)$358.25
Initial HOA (3 months)$345.00
Prepaid interest, first (20 days)$1,528.34
Fees + prepaids$12,646.59
Your down payment is the seller’s equity. You take over the $410,783 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $20,863.12 is due at closing. Uses and sources reconcile at $431,646.59 each. Not a Closing Disclosure.