Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$17,095Cash toward the purchase price.
Closing costs + prepaids$14,829Not just lender fees.
Before credits & paid funds$31,924The complete starting cash picture.
Estimated remaining funds due at closing
$31,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,094.91
Your down payment$17,094.91
Closing costs + prepaids$14,828.90
Total buyer cash needed$31,923.81
Remaining funds due$31,923.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,028.75
Initial HOA (3 months)$258.00
Prepaid interest, first (30 days)$2,418.15
Fees + prepaids$14,828.90
Your down payment is the seller’s equity. You take over the $447,805 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $31,923.81 is due at closing. Uses and sources reconcile at $479,728.90 each. Not a Closing Disclosure.