Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$22,254Cash toward the purchase price.
Closing costs + prepaids$11,999Not just lender fees.
Before credits & paid funds$34,254The complete starting cash picture.
Estimated remaining funds due at closing
$34,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,254.49
Your down payment$22,254.49
Closing costs + prepaids$11,999.08
Total buyer cash needed$34,253.56
Remaining funds due$34,253.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Prepaid interest, first (2 days)$161.58
Fees + prepaids$11,999.08
Your down payment is the seller’s equity. You take over the $426,746 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $34,253.56 is due at closing. Uses and sources reconcile at $460,999.08 each. Not a Closing Disclosure.