Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,371Cash toward the purchase price.
Closing costs + prepaids$14,112Not just lender fees.
Before credits & paid funds$28,483The complete starting cash picture.
Estimated remaining funds due at closing
$28,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,371.03
Your down payment$14,371.03
Closing costs + prepaids$14,112.35
Total buyer cash needed$28,483.37
Remaining funds due$28,483.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$965.50
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$2,371.86
Fees + prepaids$14,112.35
Your down payment is the seller’s equity. You take over the $425,628 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $28,483.37 is due at closing. Uses and sources reconcile at $454,111.35 each. Not a Closing Disclosure.