Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$12,442Cash toward the purchase price.
Closing costs + prepaids$14,722Not just lender fees.
Before credits & paid funds$27,164The complete starting cash picture.
Estimated remaining funds due at closing
$27,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,441.65
Your down payment$12,441.65
Closing costs + prepaids$14,722.45
Total buyer cash needed$27,164.11
Remaining funds due$27,164.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,761.25
Initial HOA (3 months)$165.00
Prepaid interest, first (22 days)$1,771.20
Fees + prepaids$14,722.45
Your down payment is the seller’s equity. You take over the $442,558 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $27,164.11 is due at closing. Uses and sources reconcile at $469,722.45 each. Not a Closing Disclosure.