Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$10,965Cash toward the purchase price.
Closing costs + prepaids$15,321Not just lender fees.
Before credits & paid funds$26,286The complete starting cash picture.
Estimated remaining funds due at closing
$26,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,965.10
Your down payment$10,965.10
Closing costs + prepaids$15,320.94
Total buyer cash needed$26,286.04
Remaining funds due$26,286.04
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)$1,747.75
Initial HOA (3 months)$474.00
Prepaid interest, first (25 days)$2,074.19
Fees + prepaids$15,320.94
Your down payment is the seller’s equity. You take over the $444,035 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $26,286.04 is due at closing. Uses and sources reconcile at $470,320.94 each. Not a Closing Disclosure.