Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$12,407Cash toward the purchase price.
Closing costs + prepaids$15,516Not just lender fees.
Before credits & paid funds$27,923The complete starting cash picture.
Estimated remaining funds due at closing
$27,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,406.72
Your down payment$12,406.72
Closing costs + prepaids$15,516.22
Total buyer cash needed$27,922.93
Remaining funds due$27,922.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.99
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)$1,162.50
Initial HOA (3 months)$906.00
Prepaid interest, first (28 days)$2,322.73
Fees + prepaids$15,516.22
Your down payment is the seller’s equity. You take over the $452,592 balance, so the rest of the $464,999 price is paid at closing. A second mortgage can cover part of it. $27,922.93 is due at closing. Uses and sources reconcile at $480,515.22 each. Not a Closing Disclosure.