Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$26,172Cash toward the purchase price.
Closing costs + prepaids$12,274Not just lender fees.
Before credits & paid funds$38,446The complete starting cash picture.
Estimated remaining funds due at closing
$38,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,171.97
Your down payment$26,171.97
Closing costs + prepaids$12,273.84
Total buyer cash needed$38,445.80
Remaining funds due$38,445.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.00
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)$546.00
Initial HOA (3 months)$195.00
Prepaid interest, first (6 days)$508.84
Fees + prepaids$12,273.84
Your down payment is the seller’s equity. You take over the $428,728 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $38,445.80 is due at closing. Uses and sources reconcile at $467,173.84 each. Not a Closing Disclosure.