Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$39,706Cash toward the purchase price.
Closing costs + prepaids$14,157Not just lender fees.
Before credits & paid funds$53,863The complete starting cash picture.
Estimated remaining funds due at closing
$53,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,706.13
Your down payment$39,706.13
Closing costs + prepaids$14,156.84
Total buyer cash needed$53,862.96
Remaining funds due$53,862.96
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)$1,247.00
Prepaid interest, first (23 days)$1,784.84
Fees + prepaids$14,156.84
Your down payment is the seller’s equity. You take over the $425,294 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $53,862.96 is due at closing. Uses and sources reconcile at $479,156.84 each. Not a Closing Disclosure.