Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,253Cash toward the purchase price.
Closing costs + prepaids$13,545Not just lender fees.
Before credits & paid funds$28,798The complete starting cash picture.
Estimated remaining funds due at closing
$28,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,252.61
Your down payment$15,252.61
Closing costs + prepaids$13,545.38
Total buyer cash needed$28,797.99
Remaining funds due$28,797.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$440.25
Prepaid interest, first (30 days)$2,430.13
Fees + prepaids$13,545.38
Your down payment is the seller’s equity. You take over the $429,747 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $28,797.99 is due at closing. Uses and sources reconcile at $458,545.38 each. Not a Closing Disclosure.