Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$32,215Cash toward the purchase price.
Closing costs + prepaids$14,790Not just lender fees.
Before credits & paid funds$47,005The complete starting cash picture.
Estimated remaining funds due at closing
$47,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,215.11
Your down payment$32,215.11
Closing costs + prepaids$14,790.10
Total buyer cash needed$47,005.20
Remaining funds due$47,005.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,445.00
Initial HOA (3 months)$285.00
Prepaid interest, first (25 days)$1,986.10
Fees + prepaids$14,790.10
Your down payment is the seller’s equity. You take over the $427,685 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $47,005.20 is due at closing. Uses and sources reconcile at $474,690.10 each. Not a Closing Disclosure.