Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$12,442Cash toward the purchase price.
Closing costs + prepaids$15,367Not just lender fees.
Before credits & paid funds$27,808The complete starting cash picture.
Estimated remaining funds due at closing
$27,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,441.65
Your down payment$12,441.65
Closing costs + prepaids$15,366.53
Total buyer cash needed$27,808.18
Remaining funds due$27,808.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,761.25
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$2,415.28
Fees + prepaids$15,366.53
Your down payment is the seller’s equity. You take over the $442,558 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $27,808.18 is due at closing. Uses and sources reconcile at $470,366.53 each. Not a Closing Disclosure.