Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$27,044Cash toward the purchase price.
Closing costs + prepaids$12,214Not just lender fees.
Before credits & paid funds$39,258The complete starting cash picture.
Estimated remaining funds due at closing
$39,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,043.79
Your down payment$27,043.79
Closing costs + prepaids$12,213.73
Total buyer cash needed$39,257.52
Remaining funds due$39,257.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$538.75
Prepaid interest, first (12 days)$959.98
Fees + prepaids$12,213.73
Your down payment is the seller’s equity. You take over the $421,956 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $39,257.52 is due at closing. Uses and sources reconcile at $461,213.73 each. Not a Closing Disclosure.