Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,797Cash toward the purchase price.
Closing costs + prepaids$13,237Not just lender fees.
Before credits & paid funds$15,034The complete starting cash picture.
Estimated remaining funds due at closing
$15,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,796.92
Your down payment$1,796.92
Closing costs + prepaids$13,236.81
Total buyer cash needed$15,033.73
Remaining funds due$15,033.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$1,150.00
Prepaid interest, first (26 days)$1,011.81
Fees + prepaids$13,236.81
Your down payment is the seller’s equity. You take over the $458,203 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $15,033.73 is due at closing. Uses and sources reconcile at $473,236.81 each. Not a Closing Disclosure.