Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$10,753Cash toward the purchase price.
Closing costs + prepaids$14,102Not just lender fees.
Before credits & paid funds$24,855The complete starting cash picture.
Estimated remaining funds due at closing
$24,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,752.61
Your down payment$10,752.61
Closing costs + prepaids$14,101.90
Total buyer cash needed$24,854.51
Remaining funds due$24,854.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$1,206.75
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$2,010.15
Fees + prepaids$14,101.90
Your down payment is the seller’s equity. You take over the $434,247 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $24,854.51 is due at closing. Uses and sources reconcile at $459,101.90 each. Not a Closing Disclosure.