Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$3,645Cash toward the purchase price.
Closing costs + prepaids$14,525Not just lender fees.
Before credits & paid funds$18,170The complete starting cash picture.
Estimated remaining funds due at closing
$18,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,644.72
Your down payment$3,644.72
Closing costs + prepaids$14,525.25
Total buyer cash needed$18,169.97
Remaining funds due$18,169.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,756.00
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$2,194.25
Fees + prepaids$14,525.25
Your down payment is the seller’s equity. You take over the $416,355 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $18,169.97 is due at closing. Uses and sources reconcile at $434,525.25 each. Not a Closing Disclosure.