Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$13,779Cash toward the purchase price.
Closing costs + prepaids$11,660Not just lender fees.
Before credits & paid funds$25,439The complete starting cash picture.
Estimated remaining funds due at closing
$25,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,778.88
Your down payment$13,778.88
Closing costs + prepaids$11,660.45
Total buyer cash needed$25,439.33
Remaining funds due$25,439.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$930.00
Prepaid interest, first (2 days)$156.45
Fees + prepaids$11,660.45
Your down payment is the seller’s equity. You take over the $421,121 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $25,439.33 is due at closing. Uses and sources reconcile at $446,560.45 each. Not a Closing Disclosure.