Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,087Cash toward the purchase price.
Closing costs + prepaids$13,342Not just lender fees.
Before credits & paid funds$47,430The complete starting cash picture.
Estimated remaining funds due at closing
$47,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,087.42
Your down payment$34,087.42
Closing costs + prepaids$13,342.35
Total buyer cash needed$47,429.77
Remaining funds due$47,429.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,330.00
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)$1,107.00
Prepaid interest, first (25 days)$1,680.35
Fees + prepaids$13,342.35
Your down payment is the seller’s equity. You take over the $398,913 balance, so the rest of the $433,000 price is paid at closing. A second mortgage can cover part of it. $47,429.77 is due at closing. Uses and sources reconcile at $446,342.35 each. Not a Closing Disclosure.