Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,097Cash toward the purchase price.
Closing costs + prepaids$13,833Not just lender fees.
Before credits & paid funds$47,931The complete starting cash picture.
Estimated remaining funds due at closing
$47,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,097.46
Your down payment$34,097.46
Closing costs + prepaids$13,833.46
Total buyer cash needed$47,930.93
Remaining funds due$47,930.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$911.00
Prepaid interest, first (28 days)$1,748.46
Fees + prepaids$13,833.46
Your down payment is the seller’s equity. You take over the $435,803 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $47,930.93 is due at closing. Uses and sources reconcile at $483,733.46 each. Not a Closing Disclosure.