Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$20,044Cash toward the purchase price.
Closing costs + prepaids$11,655Not just lender fees.
Before credits & paid funds$31,699The complete starting cash picture.
Estimated remaining funds due at closing
$31,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,043.79
Your down payment$20,043.79
Closing costs + prepaids$11,655.49
Total buyer cash needed$31,699.28
Remaining funds due$31,699.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,420.00
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)$530.50
Prepaid interest, first (6 days)$479.99
Fees + prepaids$11,655.49
Your down payment is the seller’s equity. You take over the $421,956 balance, so the rest of the $442,000 price is paid at closing. A second mortgage can cover part of it. $31,699.28 is due at closing. Uses and sources reconcile at $453,655.49 each. Not a Closing Disclosure.