Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,209Cash toward the purchase price.
Closing costs + prepaids$16,974Not just lender fees.
Before credits & paid funds$28,182The complete starting cash picture.
Estimated remaining funds due at closing
$28,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,208.56
Your down payment$11,208.56
Closing costs + prepaids$16,973.84
Total buyer cash needed$28,182.39
Remaining funds due$28,182.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,974.00
Initial HOA (3 months)$1,583.01
Prepaid interest, first (27 days)$2,351.83
Fees + prepaids$16,973.84
Your down payment is the seller’s equity. You take over the $447,791 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $28,182.39 is due at closing. Uses and sources reconcile at $475,973.84 each. Not a Closing Disclosure.