Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$20,937Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$33,486The complete starting cash picture.
Estimated remaining funds due at closing
$33,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,937.40
Your down payment$20,937.40
Closing costs + prepaids$12,548.93
Total buyer cash needed$33,486.33
Remaining funds due$33,486.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$620.75
Initial HOA (3 months)$372.00
Prepaid interest, first (21 days)$1,332.18
Fees + prepaids$12,548.93
Your down payment is the seller’s equity. You take over the $378,963 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $33,486.33 is due at closing. Uses and sources reconcile at $412,448.93 each. Not a Closing Disclosure.