Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$27,202Cash toward the purchase price.
Closing costs + prepaids$13,272Not just lender fees.
Before credits & paid funds$40,473The complete starting cash picture.
Estimated remaining funds due at closing
$40,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,201.66
Your down payment$27,201.66
Closing costs + prepaids$13,271.52
Total buyer cash needed$40,473.18
Remaining funds due$40,473.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,680.00
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)$507.25
Initial HOA (3 months)$105.00
Prepaid interest, first (18 days)$1,504.27
Fees + prepaids$13,271.52
Your down payment is the seller’s equity. You take over the $440,798 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $40,473.18 is due at closing. Uses and sources reconcile at $481,271.52 each. Not a Closing Disclosure.