Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$32,764Cash toward the purchase price.
Closing costs + prepaids$11,689Not just lender fees.
Before credits & paid funds$44,453The complete starting cash picture.
Estimated remaining funds due at closing
$44,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,764.07
Your down payment$32,764.07
Closing costs + prepaids$11,688.59
Total buyer cash needed$44,452.65
Remaining funds due$44,452.65
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)$502.75
Initial HOA (3 months)$210.00
Prepaid interest, first (10 days)$560.84
Fees + prepaids$11,688.59
Your down payment is the seller’s equity. You take over the $386,236 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $44,452.65 is due at closing. Uses and sources reconcile at $430,688.59 each. Not a Closing Disclosure.