Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,043Cash toward the purchase price.
Closing costs + prepaids$14,376Not just lender fees.
Before credits & paid funds$47,419The complete starting cash picture.
Estimated remaining funds due at closing
$47,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,042.97
Your down payment$33,042.97
Closing costs + prepaids$14,375.55
Total buyer cash needed$47,418.51
Remaining funds due$47,418.51
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)$995.25
Prepaid interest, first (25 days)$2,155.30
Fees + prepaids$14,375.55
Your down payment is the seller’s equity. You take over the $441,957 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $47,418.51 is due at closing. Uses and sources reconcile at $489,375.55 each. Not a Closing Disclosure.