Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$1,704Cash toward the purchase price.
Closing costs + prepaids$11,238Not just lender fees.
Before credits & paid funds$12,942The complete starting cash picture.
Estimated remaining funds due at closing
$12,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,704.15
Your down payment$1,704.15
Closing costs + prepaids$11,237.60
Total buyer cash needed$12,941.76
Remaining funds due$12,941.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$492.00
Prepaid interest, first (10 days)$420.60
Fees + prepaids$11,237.60
Your down payment is the seller’s equity. You take over the $408,296 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $12,941.76 is due at closing. Uses and sources reconcile at $421,237.60 each. Not a Closing Disclosure.