Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,807Cash toward the purchase price.
Closing costs + prepaids$13,752Not just lender fees.
Before credits & paid funds$25,560The complete starting cash picture.
Estimated remaining funds due at closing
$25,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,807.27
Your down payment$11,807.27
Closing costs + prepaids$13,752.27
Total buyer cash needed$25,559.53
Remaining funds due$25,559.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$513.00
Initial HOA (3 months)$351.00
Prepaid interest, first (27 days)$2,173.27
Fees + prepaids$13,752.27
Your down payment is the seller’s equity. You take over the $437,193 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $25,559.53 is due at closing. Uses and sources reconcile at $462,752.27 each. Not a Closing Disclosure.