Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$1,882Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$14,997The complete starting cash picture.
Estimated remaining funds due at closing
$14,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,881.76
Your down payment$1,881.76
Closing costs + prepaids$13,114.77
Total buyer cash needed$14,996.53
Remaining funds due$14,996.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.99
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)$193.00
Prepaid interest, first (20 days)$1,746.78
Fees + prepaids$13,114.77
Your down payment is the seller’s equity. You take over the $468,117 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $14,996.53 is due at closing. Uses and sources reconcile at $483,113.77 each. Not a Closing Disclosure.