Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,998Cash toward the purchase price.
Closing costs + prepaids$12,748Not just lender fees.
Before credits & paid funds$22,746The complete starting cash picture.
Estimated remaining funds due at closing
$22,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,997.75
Your down payment$9,997.75
Closing costs + prepaids$12,748.22
Total buyer cash needed$22,745.96
Remaining funds due$22,745.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$375.50
Prepaid interest, first (28 days)$1,997.72
Fees + prepaids$12,748.22
Your down payment is the seller’s equity. You take over the $405,002 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $22,745.96 is due at closing. Uses and sources reconcile at $427,748.22 each. Not a Closing Disclosure.