Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,709Cash toward the purchase price.
Closing costs + prepaids$15,585Not just lender fees.
Before credits & paid funds$49,293The complete starting cash picture.
Estimated remaining funds due at closing
$49,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,708.55
Your down payment$33,708.55
Closing costs + prepaids$15,584.79
Total buyer cash needed$49,293.34
Remaining funds due$49,293.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,620.00
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)$2,318.00
Initial HOA (3 months)$315.00
Prepaid interest, first (23 days)$1,856.79
Fees + prepaids$15,584.79
Your down payment is the seller’s equity. You take over the $428,291 balance, so the rest of the $462,000 price is paid at closing. A second mortgage can cover part of it. $49,293.34 is due at closing. Uses and sources reconcile at $477,584.79 each. Not a Closing Disclosure.