Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,861Cash toward the purchase price.
Closing costs + prepaids$14,072Not just lender fees.
Before credits & paid funds$27,934The complete starting cash picture.
Estimated remaining funds due at closing
$27,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,861.44
Your down payment$13,861.44
Closing costs + prepaids$14,072.49
Total buyer cash needed$27,933.93
Remaining funds due$27,933.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$421.75
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$2,655.84
Fees + prepaids$14,072.49
Your down payment is the seller’s equity. You take over the $436,129 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $27,933.93 is due at closing. Uses and sources reconcile at $464,062.49 each. Not a Closing Disclosure.