Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$3,712Cash toward the purchase price.
Closing costs + prepaids$12,241Not just lender fees.
Before credits & paid funds$15,953The complete starting cash picture.
Estimated remaining funds due at closing
$15,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,711.85
Your down payment$3,711.85
Closing costs + prepaids$12,240.97
Total buyer cash needed$15,952.82
Remaining funds due$15,952.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$562.75
Prepaid interest, first (6 days)$513.22
Fees + prepaids$12,240.97
Your down payment is the seller’s equity. You take over the $465,288 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $15,952.82 is due at closing. Uses and sources reconcile at $481,240.97 each. Not a Closing Disclosure.