Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$20,524Cash toward the purchase price.
Closing costs + prepaids$13,608Not just lender fees.
Before credits & paid funds$34,132The complete starting cash picture.
Estimated remaining funds due at closing
$34,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,523.52
Your down payment$20,523.52
Closing costs + prepaids$13,608.17
Total buyer cash needed$34,131.69
Remaining funds due$34,131.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,485.00
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)$323.00
Initial HOA (3 months)$960.00
Prepaid interest, first (25 days)$1,615.17
Fees + prepaids$13,608.17
Your down payment is the seller’s equity. You take over the $427,976 balance, so the rest of the $448,500 price is paid at closing. A second mortgage can cover part of it. $34,131.69 is due at closing. Uses and sources reconcile at $462,108.17 each. Not a Closing Disclosure.