Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$20,481Cash toward the purchase price.
Closing costs + prepaids$13,788Not just lender fees.
Before credits & paid funds$34,269The complete starting cash picture.
Estimated remaining funds due at closing
$34,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,481.04
Your down payment$20,481.04
Closing costs + prepaids$13,787.79
Total buyer cash needed$34,268.84
Remaining funds due$34,268.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,730.00
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)$253.50
Prepaid interest, first (28 days)$2,329.29
Fees + prepaids$13,787.79
Your down payment is the seller’s equity. You take over the $452,519 balance, so the rest of the $473,000 price is paid at closing. A second mortgage can cover part of it. $34,268.84 is due at closing. Uses and sources reconcile at $486,787.79 each. Not a Closing Disclosure.