Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$8,836Cash toward the purchase price.
Closing costs + prepaids$13,556Not just lender fees.
Before credits & paid funds$22,392The complete starting cash picture.
Estimated remaining funds due at closing
$22,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,836.14
Your down payment$8,836.14
Closing costs + prepaids$13,555.85
Total buyer cash needed$22,391.98
Remaining funds due$22,391.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$718.75
Initial HOA (3 months)$270.00
Prepaid interest, first (18 days)$1,552.10
Fees + prepaids$13,555.85
Your down payment is the seller’s equity. You take over the $445,164 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $22,391.98 is due at closing. Uses and sources reconcile at $467,555.85 each. Not a Closing Disclosure.