Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$11,043Cash toward the purchase price.
Closing costs + prepaids$12,764Not just lender fees.
Before credits & paid funds$23,807The complete starting cash picture.
Estimated remaining funds due at closing
$23,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,042.77
Your down payment$11,042.77
Closing costs + prepaids$12,763.90
Total buyer cash needed$23,806.67
Remaining funds due$23,806.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$510.25
Prepaid interest, first (19 days)$1,528.65
Fees + prepaids$12,763.90
Your down payment is the seller’s equity. You take over the $438,957 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $23,806.67 is due at closing. Uses and sources reconcile at $462,763.90 each. Not a Closing Disclosure.