Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$18,863Cash toward the purchase price.
Closing costs + prepaids$12,254Not just lender fees.
Before credits & paid funds$31,117The complete starting cash picture.
Estimated remaining funds due at closing
$31,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,862.91
Your down payment$18,862.91
Closing costs + prepaids$12,254.33
Total buyer cash needed$31,117.24
Remaining funds due$31,117.24
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)$538.75
Initial HOA (3 months)$273.00
Prepaid interest, first (9 days)$727.58
Fees + prepaids$12,254.33
Your down payment is the seller’s equity. You take over the $430,137 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $31,117.24 is due at closing. Uses and sources reconcile at $461,254.33 each. Not a Closing Disclosure.