Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$20,532Cash toward the purchase price.
Closing costs + prepaids$13,900Not just lender fees.
Before credits & paid funds$34,433The complete starting cash picture.
Estimated remaining funds due at closing
$34,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,532.38
Your down payment$20,532.38
Closing costs + prepaids$13,900.37
Total buyer cash needed$34,432.75
Remaining funds due$34,432.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,049.00
Initial HOA (3 months)$273.00
Prepaid interest, first (29 days)$1,553.37
Fees + prepaids$13,900.37
Your down payment is the seller’s equity. You take over the $434,468 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $34,432.75 is due at closing. Uses and sources reconcile at $468,900.37 each. Not a Closing Disclosure.