Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$11,534Cash toward the purchase price.
Closing costs + prepaids$13,073Not just lender fees.
Before credits & paid funds$24,607The complete starting cash picture.
Estimated remaining funds due at closing
$24,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,533.68
Your down payment$11,533.68
Closing costs + prepaids$13,073.37
Total buyer cash needed$24,607.05
Remaining funds due$24,607.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,115.00
Prepaid interest, first (26 days)$1,533.37
Fees + prepaids$13,073.37
Your down payment is the seller’s equity. You take over the $408,466 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $24,607.05 is due at closing. Uses and sources reconcile at $433,073.37 each. Not a Closing Disclosure.