Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$34,257Cash toward the purchase price.
Closing costs + prepaids$14,471Not just lender fees.
Before credits & paid funds$48,728The complete starting cash picture.
Estimated remaining funds due at closing
$48,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,256.90
Your down payment$34,256.90
Closing costs + prepaids$14,471.42
Total buyer cash needed$48,728.33
Remaining funds due$48,728.33
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)$1,125.00
Initial HOA (3 months)$405.00
Prepaid interest, first (29 days)$2,216.42
Fees + prepaids$14,471.42
Your down payment is the seller’s equity. You take over the $415,743 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $48,728.33 is due at closing. Uses and sources reconcile at $464,471.42 each. Not a Closing Disclosure.