Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,344Cash toward the purchase price.
Closing costs + prepaids$15,000Not just lender fees.
Before credits & paid funds$48,344The complete starting cash picture.
Estimated remaining funds due at closing
$48,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,344.09
Your down payment$33,344.09
Closing costs + prepaids$15,000.01
Total buyer cash needed$48,344.10
Remaining funds due$48,344.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$1,237.25
Prepaid interest, first (27 days)$2,338.76
Fees + prepaids$15,000.01
Your down payment is the seller’s equity. You take over the $461,556 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $48,344.10 is due at closing. Uses and sources reconcile at $509,900.01 each. Not a Closing Disclosure.