Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$1,015Cash toward the purchase price.
Closing costs + prepaids$13,862Not just lender fees.
Before credits & paid funds$14,876The complete starting cash picture.
Estimated remaining funds due at closing
$14,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,014.79
Your down payment$1,014.79
Closing costs + prepaids$13,861.60
Total buyer cash needed$14,876.39
Remaining funds due$14,876.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$720.00
Prepaid interest, first (6 days)$666.60
Fees + prepaids$13,861.60
Your down payment is the seller’s equity. You take over the $598,985 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $14,876.39 is due at closing. Uses and sources reconcile at $613,861.60 each. Not a Closing Disclosure.