Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,277Cash toward the purchase price.
Closing costs + prepaids$14,763Not just lender fees.
Before credits & paid funds$28,040The complete starting cash picture.
Estimated remaining funds due at closing
$28,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,277.27
Your down payment$13,277.27
Closing costs + prepaids$14,762.94
Total buyer cash needed$28,040.21
Remaining funds due$28,040.21
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)$1,185.00
Prepaid interest, first (26 days)$2,362.94
Fees + prepaids$14,762.94
Your down payment is the seller’s equity. You take over the $460,723 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $28,040.21 is due at closing. Uses and sources reconcile at $488,762.94 each. Not a Closing Disclosure.