Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,597Cash toward the purchase price.
Closing costs + prepaids$15,103Not just lender fees.
Before credits & paid funds$30,701The complete starting cash picture.
Estimated remaining funds due at closing
$30,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,597.36
Your down payment$15,597.36
Closing costs + prepaids$15,103.37
Total buyer cash needed$30,700.74
Remaining funds due$30,700.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,501.50
Prepaid interest, first (30 days)$2,327.87
Fees + prepaids$15,103.37
Your down payment is the seller’s equity. You take over the $464,303 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $30,700.74 is due at closing. Uses and sources reconcile at $495,003.37 each. Not a Closing Disclosure.