Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,204Cash toward the purchase price.
Closing costs + prepaids$14,677Not just lender fees.
Before credits & paid funds$47,882The complete starting cash picture.
Estimated remaining funds due at closing
$47,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,204.27
Your down payment$33,204.27
Closing costs + prepaids$14,677.26
Total buyer cash needed$47,881.54
Remaining funds due$47,881.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.99
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)$1,187.50
Prepaid interest, first (27 days)$2,264.77
Fees + prepaids$14,677.26
Your down payment is the seller’s equity. You take over the $441,795 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $47,881.54 is due at closing. Uses and sources reconcile at $489,676.26 each. Not a Closing Disclosure.