Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,151Cash toward the purchase price.
Closing costs + prepaids$13,867Not just lender fees.
Before credits & paid funds$48,018The complete starting cash picture.
Estimated remaining funds due at closing
$48,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,151.48
Your down payment$34,151.48
Closing costs + prepaids$13,866.54
Total buyer cash needed$48,018.02
Remaining funds due$48,018.02
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)$864.50
Initial HOA (3 months)$261.00
Prepaid interest, first (24 days)$1,516.04
Fees + prepaids$13,866.54
Your down payment is the seller’s equity. You take over the $440,849 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $48,018.02 is due at closing. Uses and sources reconcile at $488,866.54 each. Not a Closing Disclosure.