Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,134Cash toward the purchase price.
Closing costs + prepaids$13,836Not just lender fees.
Before credits & paid funds$46,970The complete starting cash picture.
Estimated remaining funds due at closing
$46,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,133.84
Your down payment$33,133.84
Closing costs + prepaids$13,835.74
Total buyer cash needed$46,969.58
Remaining funds due$46,969.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$274.25
Prepaid interest, first (28 days)$2,286.49
Fees + prepaids$13,835.74
Your down payment is the seller’s equity. You take over the $446,866 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $46,969.58 is due at closing. Uses and sources reconcile at $493,835.74 each. Not a Closing Disclosure.