Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$42,354Cash toward the purchase price.
Closing costs + prepaids$11,998Not just lender fees.
Before credits & paid funds$54,353The complete starting cash picture.
Estimated remaining funds due at closing
$54,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,354.41
Your down payment$42,354.41
Closing costs + prepaids$11,998.32
Total buyer cash needed$54,352.73
Remaining funds due$54,352.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$504.00
Initial HOA (3 months)$465.00
Prepaid interest, first (9 days)$604.33
Fees + prepaids$11,998.32
Your down payment is the seller’s equity. You take over the $377,645 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $54,352.73 is due at closing. Uses and sources reconcile at $431,997.32 each. Not a Closing Disclosure.