Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,006Cash toward the purchase price.
Closing costs + prepaids$14,187Not just lender fees.
Before credits & paid funds$46,194The complete starting cash picture.
Estimated remaining funds due at closing
$46,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,006.45
Your down payment$32,006.45
Closing costs + prepaids$14,187.06
Total buyer cash needed$46,193.52
Remaining funds due$46,193.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$1,091.00
Prepaid interest, first (24 days)$2,081.06
Fees + prepaids$14,187.06
Your down payment is the seller’s equity. You take over the $421,994 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $46,193.52 is due at closing. Uses and sources reconcile at $468,187.06 each. Not a Closing Disclosure.