Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$20,381Cash toward the purchase price.
Closing costs + prepaids$13,744Not just lender fees.
Before credits & paid funds$34,126The complete starting cash picture.
Estimated remaining funds due at closing
$34,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,381.48
Your down payment$20,381.48
Closing costs + prepaids$13,744.12
Total buyer cash needed$34,125.60
Remaining funds due$34,125.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$558.25
Initial HOA (3 months)$417.00
Prepaid interest, first (19 days)$1,593.87
Fees + prepaids$13,744.12
Your down payment is the seller’s equity. You take over the $449,619 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $34,125.60 is due at closing. Uses and sources reconcile at $483,744.12 each. Not a Closing Disclosure.