Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$933Cash toward the purchase price.
Closing costs + prepaids$15,512Not just lender fees.
Before credits & paid funds$16,444The complete starting cash picture.
Estimated remaining funds due at closing
$16,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$932.52
Your down payment$932.52
Closing costs + prepaids$15,511.69
Total buyer cash needed$16,444.21
Remaining funds due$16,444.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$2,023.50
Initial HOA (3 months)$351.00
Prepaid interest, first (31 days)$2,562.19
Fees + prepaids$15,511.69
Your down payment is the seller’s equity. You take over the $434,067 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $16,444.21 is due at closing. Uses and sources reconcile at $450,511.69 each. Not a Closing Disclosure.