Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,254Cash toward the purchase price.
Closing costs + prepaids$12,901Not just lender fees.
Before credits & paid funds$32,156The complete starting cash picture.
Estimated remaining funds due at closing
$32,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,254.19
Your down payment$19,254.19
Closing costs + prepaids$12,901.35
Total buyer cash needed$32,155.54
Remaining funds due$32,155.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$953.50
Initial HOA (3 months)$264.00
Prepaid interest, first (25 days)$958.85
Fees + prepaids$12,901.35
Your down payment is the seller’s equity. You take over the $430,746 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $32,155.54 is due at closing. Uses and sources reconcile at $462,901.35 each. Not a Closing Disclosure.