Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$23,318Cash toward the purchase price.
Closing costs + prepaids$13,406Not just lender fees.
Before credits & paid funds$36,724The complete starting cash picture.
Estimated remaining funds due at closing
$36,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,318.35
Your down payment$23,318.35
Closing costs + prepaids$13,406.13
Total buyer cash needed$36,724.47
Remaining funds due$36,724.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$570.25
Initial HOA (3 months)$336.00
Prepaid interest, first (21 days)$1,774.88
Fees + prepaids$13,406.13
Your down payment is the seller’s equity. You take over the $426,682 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $36,724.47 is due at closing. Uses and sources reconcile at $463,406.13 each. Not a Closing Disclosure.