Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$8,276Cash toward the purchase price.
Closing costs + prepaids$12,531Not just lender fees.
Before credits & paid funds$20,807The complete starting cash picture.
Estimated remaining funds due at closing
$20,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,275.71
Your down payment$8,275.71
Closing costs + prepaids$12,531.38
Total buyer cash needed$20,807.09
Remaining funds due$20,807.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Prepaid interest, first (10 days)$848.38
Fees + prepaids$12,531.38
Your down payment is the seller’s equity. You take over the $456,724 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $20,807.09 is due at closing. Uses and sources reconcile at $477,531.38 each. Not a Closing Disclosure.