Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$13,116Cash toward the purchase price.
Closing costs + prepaids$12,318Not just lender fees.
Before credits & paid funds$25,434The complete starting cash picture.
Estimated remaining funds due at closing
$25,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,116.01
Your down payment$13,116.01
Closing costs + prepaids$12,317.58
Total buyer cash needed$25,433.59
Remaining funds due$25,433.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,360.00
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)$523.25
Initial HOA (3 months)$396.00
Prepaid interest, first (9 days)$813.33
Fees + prepaids$12,317.58
Your down payment is the seller’s equity. You take over the $422,884 balance, so the rest of the $436,000 price is paid at closing. A second mortgage can cover part of it. $25,433.59 is due at closing. Uses and sources reconcile at $448,317.58 each. Not a Closing Disclosure.