Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,294Cash toward the purchase price.
Closing costs + prepaids$13,952Not just lender fees.
Before credits & paid funds$41,246The complete starting cash picture.
Estimated remaining funds due at closing
$41,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,293.93
Your down payment$27,293.93
Closing costs + prepaids$13,952.29
Total buyer cash needed$41,246.22
Remaining funds due$41,246.22
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)$1,351.25
Initial HOA (3 months)$165.99
Prepaid interest, first (23 days)$1,710.05
Fees + prepaids$13,952.29
Your down payment is the seller’s equity. You take over the $422,706 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $41,246.22 is due at closing. Uses and sources reconcile at $463,952.29 each. Not a Closing Disclosure.