Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,936Cash toward the purchase price.
Closing costs + prepaids$14,066Not just lender fees.
Before credits & paid funds$16,002The complete starting cash picture.
Estimated remaining funds due at closing
$16,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,935.66
Your down payment$1,935.66
Closing costs + prepaids$14,065.86
Total buyer cash needed$16,001.52
Remaining funds due$16,001.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$243.75
Initial HOA (3 months)$159.00
Prepaid interest, first (31 days)$2,639.11
Fees + prepaids$14,065.86
Your down payment is the seller’s equity. You take over the $452,964 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $16,001.52 is due at closing. Uses and sources reconcile at $468,965.86 each. Not a Closing Disclosure.