Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$41,413Cash toward the purchase price.
Closing costs + prepaids$14,539Not just lender fees.
Before credits & paid funds$55,953The complete starting cash picture.
Estimated remaining funds due at closing
$55,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,413.24
Your down payment$41,413.24
Closing costs + prepaids$14,539.49
Total buyer cash needed$55,952.74
Remaining funds due$55,952.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$1,437.50
Prepaid interest, first (25 days)$2,026.99
Fees + prepaids$14,539.49
Your down payment is the seller’s equity. You take over the $418,587 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $55,952.74 is due at closing. Uses and sources reconcile at $474,539.49 each. Not a Closing Disclosure.