Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$33,991Cash toward the purchase price.
Closing costs + prepaids$14,652Not just lender fees.
Before credits & paid funds$48,643The complete starting cash picture.
Estimated remaining funds due at closing
$48,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,991.12
Your down payment$33,991.12
Closing costs + prepaids$14,651.85
Total buyer cash needed$48,642.97
Remaining funds due$48,642.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$1,150.00
Prepaid interest, first (29 days)$2,426.85
Fees + prepaids$14,651.85
Your down payment is the seller’s equity. You take over the $426,009 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $48,642.97 is due at closing. Uses and sources reconcile at $474,651.85 each. Not a Closing Disclosure.