Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$11,268Cash toward the purchase price.
Closing costs + prepaids$13,509Not just lender fees.
Before credits & paid funds$24,777The complete starting cash picture.
Estimated remaining funds due at closing
$24,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,267.60
Your down payment$11,267.60
Closing costs + prepaids$13,509.42
Total buyer cash needed$24,777.01
Remaining funds due$24,777.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$540.25
Initial HOA (3 months)$72.00
Prepaid interest, first (22 days)$1,772.17
Fees + prepaids$13,509.42
Your down payment is the seller’s equity. You take over the $453,732 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $24,777.01 is due at closing. Uses and sources reconcile at $478,509.42 each. Not a Closing Disclosure.