Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,043Cash toward the purchase price.
Closing costs + prepaids$13,729Not just lender fees.
Before credits & paid funds$24,772The complete starting cash picture.
Estimated remaining funds due at closing
$24,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,042.77
Your down payment$11,042.77
Closing costs + prepaids$13,729.37
Total buyer cash needed$24,772.14
Remaining funds due$24,772.14
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)$510.25
Prepaid interest, first (31 days)$2,494.12
Fees + prepaids$13,729.37
Your down payment is the seller’s equity. You take over the $438,957 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $24,772.14 is due at closing. Uses and sources reconcile at $463,729.37 each. Not a Closing Disclosure.