Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,466Cash toward the purchase price.
Closing costs + prepaids$13,635Not just lender fees.
Before credits & paid funds$43,101The complete starting cash picture.
Estimated remaining funds due at closing
$43,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,466.02
Your down payment$29,466.02
Closing costs + prepaids$13,634.73
Total buyer cash needed$43,100.75
Remaining funds due$43,100.75
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)$556.25
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$1,728.48
Fees + prepaids$13,634.73
Your down payment is the seller’s equity. You take over the $432,534 balance, so the rest of the $462,000 price is paid at closing. A second mortgage can cover part of it. $43,100.75 is due at closing. Uses and sources reconcile at $475,634.73 each. Not a Closing Disclosure.