Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,946Cash toward the purchase price.
Closing costs + prepaids$13,725Not just lender fees.
Before credits & paid funds$23,670The complete starting cash picture.
Estimated remaining funds due at closing
$23,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,945.89
Your down payment$9,945.89
Closing costs + prepaids$13,724.52
Total buyer cash needed$23,670.41
Remaining funds due$23,670.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$555.50
Initial HOA (3 months)$525.00
Prepaid interest, first (28 days)$2,019.02
Fees + prepaids$13,724.52
Your down payment is the seller’s equity. You take over the $430,054 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $23,670.41 is due at closing. Uses and sources reconcile at $453,724.52 each. Not a Closing Disclosure.