Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,763Cash toward the purchase price.
Closing costs + prepaids$13,679Not just lender fees.
Before credits & paid funds$47,442The complete starting cash picture.
Estimated remaining funds due at closing
$47,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,762.51
Your down payment$33,762.51
Closing costs + prepaids$13,679.44
Total buyer cash needed$47,441.95
Remaining funds due$47,441.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$378.25
Initial HOA (3 months)$456.00
Prepaid interest, first (28 days)$2,120.19
Fees + prepaids$13,679.44
Your down payment is the seller’s equity. You take over the $416,237 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $47,441.95 is due at closing. Uses and sources reconcile at $463,679.44 each. Not a Closing Disclosure.