Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$19,958Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$31,755The complete starting cash picture.
Estimated remaining funds due at closing
$31,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,958.26
Your down payment$19,958.26
Closing costs + prepaids$11,796.81
Total buyer cash needed$31,755.08
Remaining funds due$31,755.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$493.75
Initial HOA (3 months)$177.00
Prepaid interest, first (13 days)$951.06
Fees + prepaids$11,796.81
Your down payment is the seller’s equity. You take over the $375,042 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $31,755.08 is due at closing. Uses and sources reconcile at $406,796.81 each. Not a Closing Disclosure.