Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,891Cash toward the purchase price.
Closing costs + prepaids$14,233Not just lender fees.
Before credits & paid funds$38,124The complete starting cash picture.
Estimated remaining funds due at closing
$38,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,890.95
Your down payment$23,890.95
Closing costs + prepaids$14,232.77
Total buyer cash needed$38,123.72
Remaining funds due$38,123.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,137.50
Prepaid interest, first (28 days)$2,070.27
Fees + prepaids$14,232.77
Your down payment is the seller’s equity. You take over the $431,109 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $38,123.72 is due at closing. Uses and sources reconcile at $469,232.77 each. Not a Closing Disclosure.