Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$20,362Cash toward the purchase price.
Closing costs + prepaids$12,996Not just lender fees.
Before credits & paid funds$33,358The complete starting cash picture.
Estimated remaining funds due at closing
$33,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,361.70
Your down payment$20,361.70
Closing costs + prepaids$12,996.20
Total buyer cash needed$33,357.90
Remaining funds due$33,357.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$742.00
Initial HOA (3 months)$379.50
Prepaid interest, first (21 days)$1,259.70
Fees + prepaids$12,996.20
Your down payment is the seller’s equity. You take over the $418,638 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $33,357.90 is due at closing. Uses and sources reconcile at $451,996.20 each. Not a Closing Disclosure.