Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$3,078Cash toward the purchase price.
Closing costs + prepaids$12,857Not just lender fees.
Before credits & paid funds$15,935The complete starting cash picture.
Estimated remaining funds due at closing
$15,935No 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$12,856.79
Total buyer cash needed$15,934.84
Remaining funds due$15,934.84
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)$574.75
Prepaid interest, first (12 days)$1,017.04
Fees + prepaids$12,856.79
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. $15,934.84 is due at closing. Uses and sources reconcile at $491,856.79 each. Not a Closing Disclosure.