Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$3,176Cash toward the purchase price.
Closing costs + prepaids$12,879Not just lender fees.
Before credits & paid funds$16,055The complete starting cash picture.
Estimated remaining funds due at closing
$16,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,175.55
Your down payment$3,175.55
Closing costs + prepaids$12,879.25
Total buyer cash needed$16,054.81
Remaining funds due$16,054.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$255.00
Prepaid interest, first (12 days)$997.25
Fees + prepaids$12,879.25
Your down payment is the seller’s equity. You take over the $456,824 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $16,054.81 is due at closing. Uses and sources reconcile at $472,879.25 each. Not a Closing Disclosure.