Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$15,049Cash toward the purchase price.
Closing costs + prepaids$11,817Not just lender fees.
Before credits & paid funds$26,866The complete starting cash picture.
Estimated remaining funds due at closing
$26,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,049.50
Your down payment$15,049.50
Closing costs + prepaids$11,816.51
Total buyer cash needed$26,866.01
Remaining funds due$26,866.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$1,058.00
Prepaid interest, first (5 days)$384.51
Fees + prepaids$11,816.51
Your down payment is the seller’s equity. You take over the $399,851 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $26,866.01 is due at closing. Uses and sources reconcile at $426,716.51 each. Not a Closing Disclosure.