Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$4,001Cash toward the purchase price.
Closing costs + prepaids$12,496Not just lender fees.
Before credits & paid funds$16,497The complete starting cash picture.
Estimated remaining funds due at closing
$16,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,001.23
Your down payment$4,001.23
Closing costs + prepaids$12,496.12
Total buyer cash needed$16,497.35
Remaining funds due$16,497.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,355.00
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)$544.50
Initial HOA (3 months)$417.00
Prepaid interest, first (17 days)$954.62
Fees + prepaids$12,496.12
Your down payment is the seller’s equity. You take over the $431,499 balance, so the rest of the $435,500 price is paid at closing. A second mortgage can cover part of it. $16,497.35 is due at closing. Uses and sources reconcile at $447,996.12 each. Not a Closing Disclosure.