Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,049Cash toward the purchase price.
Closing costs + prepaids$14,416Not just lender fees.
Before credits & paid funds$34,465The complete starting cash picture.
Estimated remaining funds due at closing
$34,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,049.04
Your down payment$20,049.04
Closing costs + prepaids$14,416.28
Total buyer cash needed$34,465.33
Remaining funds due$34,465.33
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)$1,416.50
Initial HOA (3 months)$440.01
Prepaid interest, first (24 days)$1,834.77
Fees + prepaids$14,416.28
Your down payment is the seller’s equity. You take over the $429,951 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $34,465.33 is due at closing. Uses and sources reconcile at $464,416.28 each. Not a Closing Disclosure.