Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$3,078Cash toward the purchase price.
Closing costs + prepaids$14,892Not just lender fees.
Before credits & paid funds$17,970The complete starting cash picture.
Estimated remaining funds due at closing
$17,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,078.05
Your down payment$3,078.05
Closing costs + prepaids$14,891.83
Total buyer cash needed$17,969.89
Remaining funds due$17,969.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,508.00
Prepaid interest, first (25 days)$2,118.83
Fees + prepaids$14,891.83
Your down payment is the seller’s equity. You take over the $475,922 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $17,969.89 is due at closing. Uses and sources reconcile at $493,891.83 each. Not a Closing Disclosure.