Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,269Cash toward the purchase price.
Closing costs + prepaids$13,690Not just lender fees.
Before credits & paid funds$18,959The complete starting cash picture.
Estimated remaining funds due at closing
$18,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,269.07
Your down payment$5,269.07
Closing costs + prepaids$13,690.31
Total buyer cash needed$18,959.38
Remaining funds due$18,959.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,498.75
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)$647.75
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$2,183.81
Fees + prepaids$13,690.31
Your down payment is the seller’s equity. You take over the $444,606 balance, so the rest of the $449,875 price is paid at closing. A second mortgage can cover part of it. $18,959.38 is due at closing. Uses and sources reconcile at $463,565.31 each. Not a Closing Disclosure.