Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$30,240Cash toward the purchase price.
Closing costs + prepaids$13,758Not just lender fees.
Before credits & paid funds$43,998The complete starting cash picture.
Estimated remaining funds due at closing
$43,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,240.30
Your down payment$30,240.30
Closing costs + prepaids$13,758.04
Total buyer cash needed$43,998.34
Remaining funds due$43,998.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$763.75
Prepaid interest, first (22 days)$1,769.29
Fees + prepaids$13,758.04
Your down payment is the seller’s equity. You take over the $444,760 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $43,998.34 is due at closing. Uses and sources reconcile at $488,758.04 each. Not a Closing Disclosure.