Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$780Cash toward the purchase price.
Closing costs + prepaids$12,974Not just lender fees.
Before credits & paid funds$13,754The complete starting cash picture.
Estimated remaining funds due at closing
$13,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$779.89
Your down payment$779.89
Closing costs + prepaids$12,974.12
Total buyer cash needed$13,754.00
Remaining funds due$13,754.00
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)$1,112.50
Prepaid interest, first (30 days)$1,186.62
Fees + prepaids$12,974.12
Your down payment is the seller’s equity. You take over the $444,220 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $13,754.00 is due at closing. Uses and sources reconcile at $457,974.12 each. Not a Closing Disclosure.