Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$3,712Cash toward the purchase price.
Closing costs + prepaids$13,869Not just lender fees.
Before credits & paid funds$17,581The complete starting cash picture.
Estimated remaining funds due at closing
$17,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,711.85
Your down payment$3,711.85
Closing costs + prepaids$13,868.88
Total buyer cash needed$17,580.73
Remaining funds due$17,580.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$651.00
Prepaid interest, first (24 days)$2,052.88
Fees + prepaids$13,868.88
Your down payment is the seller’s equity. You take over the $465,288 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $17,580.73 is due at closing. Uses and sources reconcile at $482,868.88 each. Not a Closing Disclosure.