Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$11,854Cash toward the purchase price.
Closing costs + prepaids$11,251Not just lender fees.
Before credits & paid funds$23,104The complete starting cash picture.
Estimated remaining funds due at closing
$23,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,853.61
Your down payment$11,853.61
Closing costs + prepaids$11,250.83
Total buyer cash needed$23,104.44
Remaining funds due$23,104.44
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 (2 days)$155.08
Fees + prepaids$11,250.83
Your down payment is the seller’s equity. You take over the $418,046 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $23,104.44 is due at closing. Uses and sources reconcile at $441,150.83 each. Not a Closing Disclosure.