Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$37,262Cash toward the purchase price.
Closing costs + prepaids$13,580Not just lender fees.
Before credits & paid funds$50,842The complete starting cash picture.
Estimated remaining funds due at closing
$50,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,261.59
Your down payment$37,261.59
Closing costs + prepaids$13,580.06
Total buyer cash needed$50,841.64
Remaining funds due$50,841.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$615.50
Prepaid interest, first (24 days)$1,899.56
Fees + prepaids$13,580.06
Your down payment is the seller’s equity. You take over the $421,738 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $50,841.64 is due at closing. Uses and sources reconcile at $472,580.06 each. Not a Closing Disclosure.