Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,771Cash toward the purchase price.
Closing costs + prepaids$14,552Not just lender fees.
Before credits & paid funds$24,323The complete starting cash picture.
Estimated remaining funds due at closing
$24,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,770.69
Your down payment$9,770.69
Closing costs + prepaids$14,552.48
Total buyer cash needed$24,323.18
Remaining funds due$24,323.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,648.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$547.75
Initial HOA (3 months)$396.00
Prepaid interest, first (31 days)$2,485.23
Fees + prepaids$14,552.48
Your down payment is the seller’s equity. You take over the $455,079 balance, so the rest of the $464,850 price is paid at closing. A second mortgage can cover part of it. $24,323.18 is due at closing. Uses and sources reconcile at $479,402.48 each. Not a Closing Disclosure.