Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$633Cash toward the purchase price.
Closing costs + prepaids$13,123Not just lender fees.
Before credits & paid funds$13,756The complete starting cash picture.
Estimated remaining funds due at closing
$13,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$633.09
Your down payment$633.09
Closing costs + prepaids$13,122.65
Total buyer cash needed$13,755.74
Remaining funds due$13,755.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$552.00
Initial HOA (3 months)$636.00
Prepaid interest, first (10 days)$860.65
Fees + prepaids$13,122.65
Your down payment is the seller’s equity. You take over the $459,267 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $13,755.74 is due at closing. Uses and sources reconcile at $473,022.65 each. Not a Closing Disclosure.