Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$3,417Cash toward the purchase price.
Closing costs + prepaids$13,629Not just lender fees.
Before credits & paid funds$17,046The complete starting cash picture.
Estimated remaining funds due at closing
$17,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,417.36
Your down payment$3,417.36
Closing costs + prepaids$13,628.84
Total buyer cash needed$17,046.20
Remaining funds due$17,046.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$340.50
Initial HOA (3 months)$456.00
Prepaid interest, first (31 days)$2,267.34
Fees + prepaids$13,628.84
Your down payment is the seller’s equity. You take over the $430,583 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $17,046.20 is due at closing. Uses and sources reconcile at $447,628.84 each. Not a Closing Disclosure.