Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,694Cash toward the purchase price.
Closing costs + prepaids$14,285Not just lender fees.
Before credits & paid funds$25,979The complete starting cash picture.
Estimated remaining funds due at closing
$25,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,694.25
Your down payment$11,694.25
Closing costs + prepaids$14,284.88
Total buyer cash needed$25,979.13
Remaining funds due$25,979.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,709.90
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)$849.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$2,219.72
Fees + prepaids$14,284.88
Your down payment is the seller’s equity. You take over the $459,296 balance, so the rest of the $470,990 price is paid at closing. A second mortgage can cover part of it. $25,979.13 is due at closing. Uses and sources reconcile at $485,274.88 each. Not a Closing Disclosure.