Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,992Cash toward the purchase price.
Closing costs + prepaids$14,887Not just lender fees.
Before credits & paid funds$37,879The complete starting cash picture.
Estimated remaining funds due at closing
$37,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,991.95
Your down payment$22,991.95
Closing costs + prepaids$14,887.47
Total buyer cash needed$37,879.43
Remaining funds due$37,879.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,502.00
Initial HOA (3 months)$351.00
Prepaid interest, first (24 days)$1,909.47
Fees + prepaids$14,887.47
Your down payment is the seller’s equity. You take over the $442,008 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $37,879.43 is due at closing. Uses and sources reconcile at $479,887.47 each. Not a Closing Disclosure.