Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,414Cash toward the purchase price.
Closing costs + prepaids$13,714Not just lender fees.
Before credits & paid funds$51,128The complete starting cash picture.
Estimated remaining funds due at closing
$51,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,413.99
Your down payment$37,413.99
Closing costs + prepaids$13,713.58
Total buyer cash needed$51,127.57
Remaining funds due$51,127.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$615.50
Prepaid interest, first (26 days)$2,033.08
Fees + prepaids$13,713.58
Your down payment is the seller’s equity. You take over the $421,586 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $51,127.57 is due at closing. Uses and sources reconcile at $472,713.58 each. Not a Closing Disclosure.