Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,883Cash toward the purchase price.
Closing costs + prepaids$13,675Not just lender fees.
Before credits & paid funds$29,558The complete starting cash picture.
Estimated remaining funds due at closing
$29,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,883.20
Your down payment$15,883.20
Closing costs + prepaids$13,674.68
Total buyer cash needed$29,557.87
Remaining funds due$29,557.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$800.50
Prepaid interest, first (26 days)$2,149.18
Fees + prepaids$13,674.68
Your down payment is the seller’s equity. You take over the $434,117 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $29,557.87 is due at closing. Uses and sources reconcile at $463,674.68 each. Not a Closing Disclosure.