Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,370Cash toward the purchase price.
Closing costs + prepaids$13,494Not just lender fees.
Before credits & paid funds$48,864The complete starting cash picture.
Estimated remaining funds due at closing
$48,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,369.54
Your down payment$35,369.54
Closing costs + prepaids$13,494.23
Total buyer cash needed$48,863.76
Remaining funds due$48,863.76
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)$781.50
Prepaid interest, first (26 days)$1,987.73
Fees + prepaids$13,494.23
Your down payment is the seller’s equity. You take over the $414,630 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $48,863.76 is due at closing. Uses and sources reconcile at $463,494.23 each. Not a Closing Disclosure.