Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$20,214Cash toward the purchase price.
Closing costs + prepaids$14,826Not just lender fees.
Before credits & paid funds$35,040The complete starting cash picture.
Estimated remaining funds due at closing
$35,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,214.13
Your down payment$20,214.13
Closing costs + prepaids$14,826.29
Total buyer cash needed$35,040.42
Remaining funds due$35,040.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,019.50
Initial HOA (3 months)$1,005.00
Prepaid interest, first (22 days)$1,776.79
Fees + prepaids$14,826.29
Your down payment is the seller’s equity. You take over the $434,786 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $35,040.42 is due at closing. Uses and sources reconcile at $469,826.29 each. Not a Closing Disclosure.