Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,470Cash toward the purchase price.
Closing costs + prepaids$14,670Not just lender fees.
Before credits & paid funds$54,140The complete starting cash picture.
Estimated remaining funds due at closing
$54,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,469.91
Your down payment$39,469.91
Closing costs + prepaids$14,670.32
Total buyer cash needed$54,140.23
Remaining funds due$54,140.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,292.25
Prepaid interest, first (26 days)$2,153.07
Fees + prepaids$14,670.32
Your down payment is the seller’s equity. You take over the $435,530 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $54,140.23 is due at closing. Uses and sources reconcile at $489,670.32 each. Not a Closing Disclosure.