Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,344Cash toward the purchase price.
Closing costs + prepaids$11,455Not just lender fees.
Before credits & paid funds$12,799The complete starting cash picture.
Estimated remaining funds due at closing
$12,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,343.93
Your down payment$1,343.93
Closing costs + prepaids$11,455.43
Total buyer cash needed$12,799.36
Remaining funds due$12,799.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.99
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)$193.00
Prepaid interest, first (1 days)$87.44
Fees + prepaids$11,455.43
Your down payment is the seller’s equity. You take over the $468,655 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $12,799.36 is due at closing. Uses and sources reconcile at $481,454.43 each. Not a Closing Disclosure.