Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,894Cash toward the purchase price.
Closing costs + prepaids$14,055Not just lender fees.
Before credits & paid funds$48,949The complete starting cash picture.
Estimated remaining funds due at closing
$48,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,894.30
Your down payment$34,894.30
Closing costs + prepaids$14,054.53
Total buyer cash needed$48,948.83
Remaining funds due$48,948.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$1,135.50
Prepaid interest, first (28 days)$2,194.03
Fees + prepaids$14,054.53
Your down payment is the seller’s equity. You take over the $415,106 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $48,948.83 is due at closing. Uses and sources reconcile at $464,054.53 each. Not a Closing Disclosure.