Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,204Cash toward the purchase price.
Closing costs + prepaids$13,379Not just lender fees.
Before credits & paid funds$27,583The complete starting cash picture.
Estimated remaining funds due at closing
$27,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,203.58
Your down payment$14,203.58
Closing costs + prepaids$13,379.50
Total buyer cash needed$27,583.08
Remaining funds due$27,583.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$930.00
Prepaid interest, first (24 days)$1,875.50
Fees + prepaids$13,379.50
Your down payment is the seller’s equity. You take over the $420,696 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $27,583.08 is due at closing. Uses and sources reconcile at $448,279.50 each. Not a Closing Disclosure.