Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,631Cash toward the purchase price.
Closing costs + prepaids$14,430Not just lender fees.
Before credits & paid funds$24,061The complete starting cash picture.
Estimated remaining funds due at closing
$24,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,631.40
Your down payment$9,631.40
Closing costs + prepaids$14,429.81
Total buyer cash needed$24,061.21
Remaining funds due$24,061.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,052.00
Initial HOA (3 months)$87.51
Prepaid interest, first (31 days)$2,115.30
Fees + prepaids$14,429.81
Your down payment is the seller’s equity. You take over the $460,369 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $24,061.21 is due at closing. Uses and sources reconcile at $484,429.81 each. Not a Closing Disclosure.