Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,945Cash toward the purchase price.
Closing costs + prepaids$13,816Not just lender fees.
Before credits & paid funds$48,761The complete starting cash picture.
Estimated remaining funds due at closing
$48,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,944.73
Your down payment$34,944.73
Closing costs + prepaids$13,816.10
Total buyer cash needed$48,760.83
Remaining funds due$48,760.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$521.50
Prepaid interest, first (27 days)$2,169.60
Fees + prepaids$13,816.10
Your down payment is the seller’s equity. You take over the $430,055 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $48,760.83 is due at closing. Uses and sources reconcile at $478,816.10 each. Not a Closing Disclosure.