Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$12,226Cash toward the purchase price.
Closing costs + prepaids$12,915Not just lender fees.
Before credits & paid funds$25,142The complete starting cash picture.
Estimated remaining funds due at closing
$25,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,226.30
Your down payment$12,226.30
Closing costs + prepaids$12,915.29
Total buyer cash needed$25,141.60
Remaining funds due$25,141.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,804.90
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)$576.50
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$833.89
Fees + prepaids$12,915.29
Your down payment is the seller’s equity. You take over the $468,264 balance, so the rest of the $480,490 price is paid at closing. A second mortgage can cover part of it. $25,141.60 is due at closing. Uses and sources reconcile at $493,405.29 each. Not a Closing Disclosure.