Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$26,909Cash toward the purchase price.
Closing costs + prepaids$12,252Not just lender fees.
Before credits & paid funds$39,162The complete starting cash picture.
Estimated remaining funds due at closing
$39,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,909.48
Your down payment$26,909.48
Closing costs + prepaids$12,252.50
Total buyer cash needed$39,161.97
Remaining funds due$39,161.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Initial HOA (3 months)$468.00
Prepaid interest, first (9 days)$542.00
Fees + prepaids$12,252.50
Your down payment is the seller’s equity. You take over the $421,091 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $39,161.97 is due at closing. Uses and sources reconcile at $460,252.50 each. Not a Closing Disclosure.