Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$15,069Cash toward the purchase price.
Closing costs + prepaids$13,188Not just lender fees.
Before credits & paid funds$28,257The complete starting cash picture.
Estimated remaining funds due at closing
$28,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,069.47
Your down payment$15,069.47
Closing costs + prepaids$13,187.73
Total buyer cash needed$28,257.20
Remaining funds due$28,257.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$714.50
Prepaid interest, first (24 days)$1,849.23
Fees + prepaids$13,187.73
Your down payment is the seller’s equity. You take over the $424,831 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $28,257.20 is due at closing. Uses and sources reconcile at $453,087.73 each. Not a Closing Disclosure.