Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$20,333Cash toward the purchase price.
Closing costs + prepaids$13,971Not just lender fees.
Before credits & paid funds$34,304The complete starting cash picture.
Estimated remaining funds due at closing
$34,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,333.09
Your down payment$20,333.09
Closing costs + prepaids$13,970.96
Total buyer cash needed$34,304.04
Remaining funds due$34,304.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
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)$568.75
Initial HOA (3 months)$1,170.00
Prepaid interest, first (12 days)$1,017.21
Fees + prepaids$13,970.96
Your down payment is the seller’s equity. You take over the $453,667 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $34,304.04 is due at closing. Uses and sources reconcile at $487,970.96 each. Not a Closing Disclosure.