Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,775Cash toward the purchase price.
Closing costs + prepaids$13,976Not just lender fees.
Before credits & paid funds$47,751The complete starting cash picture.
Estimated remaining funds due at closing
$47,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,775.27
Your down payment$33,775.27
Closing costs + prepaids$13,975.97
Total buyer cash needed$47,751.24
Remaining funds due$47,751.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,489.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,304.50
Initial HOA (3 months)$141.00
Prepaid interest, first (24 days)$1,815.57
Fees + prepaids$13,975.97
Your down payment is the seller’s equity. You take over the $415,215 balance, so the rest of the $448,990 price is paid at closing. A second mortgage can cover part of it. $47,751.24 is due at closing. Uses and sources reconcile at $462,965.97 each. Not a Closing Disclosure.