Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,531Cash toward the purchase price.
Closing costs + prepaids$13,658Not just lender fees.
Before credits & paid funds$31,189The complete starting cash picture.
Estimated remaining funds due at closing
$31,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,531.24
Your down payment$17,531.24
Closing costs + prepaids$13,657.55
Total buyer cash needed$31,188.79
Remaining funds due$31,188.79
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)$1,039.75
Initial HOA (3 months)$165.00
Prepaid interest, first (23 days)$1,777.80
Fees + prepaids$13,657.55
Your down payment is the seller’s equity. You take over the $427,469 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $31,188.79 is due at closing. Uses and sources reconcile at $458,657.55 each. Not a Closing Disclosure.