Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,044Cash toward the purchase price.
Closing costs + prepaids$14,201Not just lender fees.
Before credits & paid funds$41,245The complete starting cash picture.
Estimated remaining funds due at closing
$41,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,043.79
Your down payment$27,043.79
Closing costs + prepaids$14,200.96
Total buyer cash needed$41,244.74
Remaining funds due$41,244.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,486.00
Prepaid interest, first (25 days)$1,999.96
Fees + prepaids$14,200.96
Your down payment is the seller’s equity. You take over the $421,956 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $41,244.74 is due at closing. Uses and sources reconcile at $463,200.96 each. Not a Closing Disclosure.