Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$4,649Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$15,154The complete starting cash picture.
Estimated remaining funds due at closing
$15,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,649.38
Your down payment$4,649.38
Closing costs + prepaids$10,504.43
Total buyer cash needed$15,153.81
Remaining funds due$15,153.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,140.00
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)$800.75
Prepaid interest, first (6 days)$338.68
Fees + prepaids$10,504.43
Your down payment is the seller’s equity. You take over the $309,351 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $15,153.81 is due at closing. Uses and sources reconcile at $324,504.43 each. Not a Closing Disclosure.