Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,640Cash toward the purchase price.
Closing costs + prepaids$13,538Not just lender fees.
Before credits & paid funds$32,178The complete starting cash picture.
Estimated remaining funds due at closing
$32,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,640.39
Your down payment$18,640.39
Closing costs + prepaids$13,538.01
Total buyer cash needed$32,178.41
Remaining funds due$32,178.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,210.00
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)$913.00
Initial HOA (3 months)$303.00
Prepaid interest, first (27 days)$1,887.01
Fees + prepaids$13,538.01
Your down payment is the seller’s equity. You take over the $402,360 balance, so the rest of the $421,000 price is paid at closing. A second mortgage can cover part of it. $32,178.41 is due at closing. Uses and sources reconcile at $434,538.01 each. Not a Closing Disclosure.