Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$19,983Cash toward the purchase price.
Closing costs + prepaids$11,990Not just lender fees.
Before credits & paid funds$31,973The complete starting cash picture.
Estimated remaining funds due at closing
$31,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,982.71
Your down payment$19,982.71
Closing costs + prepaids$11,990.43
Total buyer cash needed$31,973.14
Remaining funds due$31,973.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,548.00
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)$545.75
Initial HOA (3 months)$45.00
Prepaid interest, first (6 days)$376.68
Fees + prepaids$11,990.43
Your down payment is the seller’s equity. You take over the $434,817 balance, so the rest of the $454,800 price is paid at closing. A second mortgage can cover part of it. $31,973.14 is due at closing. Uses and sources reconcile at $466,790.43 each. Not a Closing Disclosure.