Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$5,116Cash toward the purchase price.
Closing costs + prepaids$14,473Not just lender fees.
Before credits & paid funds$19,589The complete starting cash picture.
Estimated remaining funds due at closing
$19,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,115.84
Your down payment$5,115.84
Closing costs + prepaids$14,473.02
Total buyer cash needed$19,588.86
Remaining funds due$19,588.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$739.25
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$2,678.87
Fees + prepaids$14,473.02
Your down payment is the seller’s equity. You take over the $444,874 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $19,588.86 is due at closing. Uses and sources reconcile at $464,463.02 each. Not a Closing Disclosure.