Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,981Cash toward the purchase price.
Closing costs + prepaids$14,547Not just lender fees.
Before credits & paid funds$61,528The complete starting cash picture.
Estimated remaining funds due at closing
$61,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,981.47
Your down payment$46,981.47
Closing costs + prepaids$14,546.79
Total buyer cash needed$61,528.27
Remaining funds due$61,528.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,372.25
Prepaid interest, first (27 days)$1,999.54
Fees + prepaids$14,546.79
Your down payment is the seller’s equity. You take over the $423,019 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $61,528.27 is due at closing. Uses and sources reconcile at $484,546.79 each. Not a Closing Disclosure.