Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$27,469Cash toward the purchase price.
Closing costs + prepaids$13,967Not just lender fees.
Before credits & paid funds$41,436The complete starting cash picture.
Estimated remaining funds due at closing
$41,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,468.77
Your down payment$27,468.77
Closing costs + prepaids$13,967.45
Total buyer cash needed$41,436.22
Remaining funds due$41,436.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,149.75
Prepaid interest, first (22 days)$1,743.70
Fees + prepaids$13,967.45
Your down payment is the seller’s equity. You take over the $432,431 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $41,436.22 is due at closing. Uses and sources reconcile at $473,867.45 each. Not a Closing Disclosure.