Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$28,627Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$43,246The complete starting cash picture.
Estimated remaining funds due at closing
$43,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,626.73
Your down payment$28,626.73
Closing costs + prepaids$14,619.19
Total buyer cash needed$43,245.93
Remaining funds due$43,245.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,813.50
Prepaid interest, first (22 days)$1,680.69
Fees + prepaids$14,619.19
Your down payment is the seller’s equity. You take over the $436,373 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $43,245.93 is due at closing. Uses and sources reconcile at $479,619.19 each. Not a Closing Disclosure.