Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$3,141Cash toward the purchase price.
Closing costs + prepaids$14,973Not just lender fees.
Before credits & paid funds$18,114The complete starting cash picture.
Estimated remaining funds due at closing
$18,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,140.86
Your down payment$3,140.86
Closing costs + prepaids$14,973.46
Total buyer cash needed$18,114.32
Remaining funds due$18,114.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,389.00
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)$1,719.75
Initial HOA (3 months)$185.01
Prepaid interest, first (29 days)$2,454.70
Fees + prepaids$14,973.46
Your down payment is the seller’s equity. You take over the $435,759 balance, so the rest of the $438,900 price is paid at closing. A second mortgage can cover part of it. $18,114.32 is due at closing. Uses and sources reconcile at $453,873.46 each. Not a Closing Disclosure.