Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,928Cash toward the purchase price.
Closing costs + prepaids$7,186Not just lender fees.
Before credits & paid funds$20,114The complete starting cash picture.
Estimated remaining funds due at closing
$20,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,928.01
Your down payment$12,928.01
Closing costs + prepaids$7,185.63
Total buyer cash needed$20,113.64
Remaining funds due$20,113.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$613.25
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)$102.50
Prepaid interest, first (27 days)$244.88
Fees + prepaids$7,185.63
Your down payment is the seller’s equity. You take over the $48,397 balance, so the rest of the $61,325 price is paid at closing. A second mortgage can cover part of it. $20,113.64 is due at closing. Uses and sources reconcile at $68,510.63 each. Not a Closing Disclosure.