Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$32,154Cash toward the purchase price.
Closing costs + prepaids$14,376Not just lender fees.
Before credits & paid funds$46,530The complete starting cash picture.
Estimated remaining funds due at closing
$46,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,153.92
Your down payment$32,153.92
Closing costs + prepaids$14,376.10
Total buyer cash needed$46,530.02
Remaining funds due$46,530.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$751.00
Prepaid interest, first (25 days)$2,200.10
Fees + prepaids$14,376.10
Your down payment is the seller’s equity. You take over the $462,846 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $46,530.02 is due at closing. Uses and sources reconcile at $509,376.10 each. Not a Closing Disclosure.