Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$15,698Cash toward the purchase price.
Closing costs + prepaids$12,193Not just lender fees.
Before credits & paid funds$27,891The complete starting cash picture.
Estimated remaining funds due at closing
$27,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,698.26
Your down payment$15,698.26
Closing costs + prepaids$12,193.10
Total buyer cash needed$27,891.36
Remaining funds due$27,891.36
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)$540.00
Prepaid interest, first (12 days)$928.10
Fees + prepaids$12,193.10
Your down payment is the seller’s equity. You take over the $434,302 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $27,891.36 is due at closing. Uses and sources reconcile at $462,193.10 each. Not a Closing Disclosure.