Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$1,486Cash toward the purchase price.
Closing costs + prepaids$15,020Not just lender fees.
Before credits & paid funds$16,507The complete starting cash picture.
Estimated remaining funds due at closing
$16,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,486.41
Your down payment$1,486.41
Closing costs + prepaids$15,020.19
Total buyer cash needed$16,506.60
Remaining funds due$16,506.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$1,537.75
Initial HOA (3 months)$366.00
Prepaid interest, first (22 days)$1,942.44
Fees + prepaids$15,020.19
Your down payment is the seller’s equity. You take over the $468,414 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $16,506.60 is due at closing. Uses and sources reconcile at $484,920.19 each. Not a Closing Disclosure.