Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,119Cash toward the purchase price.
Closing costs + prepaids$14,432Not just lender fees.
Before credits & paid funds$44,551The complete starting cash picture.
Estimated remaining funds due at closing
$44,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,119.45
Your down payment$30,119.45
Closing costs + prepaids$14,431.88
Total buyer cash needed$44,551.32
Remaining funds due$44,551.32
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 (27 days)$2,206.88
Fees + prepaids$14,431.88
Your down payment is the seller’s equity. You take over the $429,881 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $44,551.32 is due at closing. Uses and sources reconcile at $474,431.88 each. Not a Closing Disclosure.