Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,573Cash toward the purchase price.
Closing costs + prepaids$14,116Not just lender fees.
Before credits & paid funds$60,688The complete starting cash picture.
Estimated remaining funds due at closing
$60,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,572.54
Your down payment$46,572.54
Closing costs + prepaids$14,115.75
Total buyer cash needed$60,688.29
Remaining funds due$60,688.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,694.00
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)$1,188.25
Prepaid interest, first (23 days)$1,758.50
Fees + prepaids$14,115.75
Your down payment is the seller’s equity. You take over the $422,827 balance, so the rest of the $469,400 price is paid at closing. A second mortgage can cover part of it. $60,688.29 is due at closing. Uses and sources reconcile at $483,515.75 each. Not a Closing Disclosure.