Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$2,290Cash toward the purchase price.
Closing costs + prepaids$12,348Not just lender fees.
Before credits & paid funds$14,638The complete starting cash picture.
Estimated remaining funds due at closing
$14,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,290.25
Your down payment$2,290.25
Closing costs + prepaids$12,348.12
Total buyer cash needed$14,638.37
Remaining funds due$14,638.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$504.00
Initial HOA (3 months)$723.00
Prepaid interest, first (9 days)$697.12
Fees + prepaids$12,348.12
Your down payment is the seller’s equity. You take over the $417,610 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $14,638.37 is due at closing. Uses and sources reconcile at $432,248.12 each. Not a Closing Disclosure.