Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$12,054Cash toward the purchase price.
Closing costs + prepaids$12,186Not just lender fees.
Before credits & paid funds$24,240The complete starting cash picture.
Estimated remaining funds due at closing
$24,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,054.19
Your down payment$12,054.19
Closing costs + prepaids$12,186.07
Total buyer cash needed$24,240.26
Remaining funds due$24,240.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$526.75
Prepaid interest, first (12 days)$1,044.32
Fees + prepaids$12,186.07
Your down payment is the seller’s equity. You take over the $426,946 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $24,240.26 is due at closing. Uses and sources reconcile at $451,186.07 each. Not a Closing Disclosure.