Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$19,915Cash toward the purchase price.
Closing costs + prepaids$13,002Not just lender fees.
Before credits & paid funds$32,917The complete starting cash picture.
Estimated remaining funds due at closing
$32,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,915.17
Your down payment$19,915.17
Closing costs + prepaids$13,001.96
Total buyer cash needed$32,917.12
Remaining funds due$32,917.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.90
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)$5.00
Initial HOA (3 months)$321.00
Prepaid interest, first (20 days)$1,551.06
Fees + prepaids$13,001.96
Your down payment is the seller’s equity. You take over the $445,075 balance, so the rest of the $464,990 price is paid at closing. A second mortgage can cover part of it. $32,917.12 is due at closing. Uses and sources reconcile at $477,991.96 each. Not a Closing Disclosure.