Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$15,070Cash toward the purchase price.
Closing costs + prepaids$12,759Not just lender fees.
Before credits & paid funds$27,829The complete starting cash picture.
Estimated remaining funds due at closing
$27,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,070.38
Your down payment$15,070.38
Closing costs + prepaids$12,758.65
Total buyer cash needed$27,829.03
Remaining funds due$27,829.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$550.75
Initial HOA (3 months)$450.00
Prepaid interest, first (9 days)$692.90
Fees + prepaids$12,758.65
Your down payment is the seller’s equity. You take over the $443,930 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $27,829.03 is due at closing. Uses and sources reconcile at $471,758.65 each. Not a Closing Disclosure.