Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$10,357Cash toward the purchase price.
Closing costs + prepaids$14,042Not just lender fees.
Before credits & paid funds$24,400The complete starting cash picture.
Estimated remaining funds due at closing
$24,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,357.41
Your down payment$10,357.41
Closing costs + prepaids$14,042.23
Total buyer cash needed$24,399.65
Remaining funds due$24,399.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$801.00
Initial HOA (3 months)$120.00
Prepaid interest, first (29 days)$2,396.23
Fees + prepaids$14,042.23
Your down payment is the seller’s equity. You take over the $439,643 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $24,399.65 is due at closing. Uses and sources reconcile at $464,042.23 each. Not a Closing Disclosure.