Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,290Cash toward the purchase price.
Closing costs + prepaids$13,187Not just lender fees.
Before credits & paid funds$25,477The complete starting cash picture.
Estimated remaining funds due at closing
$25,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,290.25
Your down payment$12,290.25
Closing costs + prepaids$13,187.12
Total buyer cash needed$25,477.37
Remaining funds due$25,477.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$571.75
Prepaid interest, first (27 days)$2,091.37
Fees + prepaids$13,187.12
Your down payment is the seller’s equity. You take over the $417,610 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $25,477.37 is due at closing. Uses and sources reconcile at $443,087.12 each. Not a Closing Disclosure.