Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$15,702Cash toward the purchase price.
Closing costs + prepaids$13,370Not just lender fees.
Before credits & paid funds$29,071The complete starting cash picture.
Estimated remaining funds due at closing
$29,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,701.80
Your down payment$15,701.80
Closing costs + prepaids$13,369.64
Total buyer cash needed$29,071.44
Remaining funds due$29,071.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$575.00
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$1,570.64
Fees + prepaids$13,369.64
Your down payment is the seller’s equity. You take over the $444,198 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $29,071.44 is due at closing. Uses and sources reconcile at $473,269.64 each. Not a Closing Disclosure.