Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$1,781Cash toward the purchase price.
Closing costs + prepaids$11,464Not just lender fees.
Before credits & paid funds$13,245The complete starting cash picture.
Estimated remaining funds due at closing
$13,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,781.19
Your down payment$1,781.19
Closing costs + prepaids$11,463.69
Total buyer cash needed$13,244.87
Remaining funds due$13,244.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,295.00
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)$515.50
Prepaid interest, first (6 days)$428.19
Fees + prepaids$11,463.69
Your down payment is the seller’s equity. You take over the $427,719 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $13,244.87 is due at closing. Uses and sources reconcile at $440,963.69 each. Not a Closing Disclosure.