Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,908Cash toward the purchase price.
Closing costs + prepaids$13,087Not just lender fees.
Before credits & paid funds$34,995The complete starting cash picture.
Estimated remaining funds due at closing
$34,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,907.57
Your down payment$21,907.57
Closing costs + prepaids$13,087.46
Total buyer cash needed$34,995.03
Remaining funds due$34,995.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$12.00
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$2,064.46
Fees + prepaids$13,087.46
Your down payment is the seller’s equity. You take over the $423,092 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $34,995.03 is due at closing. Uses and sources reconcile at $458,087.46 each. Not a Closing Disclosure.