Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,717Cash toward the purchase price.
Closing costs + prepaids$14,723Not just lender fees.
Before credits & paid funds$21,440The complete starting cash picture.
Estimated remaining funds due at closing
$21,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,717.45
Your down payment$6,717.45
Closing costs + prepaids$14,723.04
Total buyer cash needed$21,440.49
Remaining funds due$21,440.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,087.50
Initial HOA (3 months)$879.00
Prepaid interest, first (28 days)$2,181.54
Fees + prepaids$14,723.04
Your down payment is the seller’s equity. You take over the $428,283 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $21,440.49 is due at closing. Uses and sources reconcile at $449,723.04 each. Not a Closing Disclosure.