Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,490Cash toward the purchase price.
Closing costs + prepaids$14,159Not just lender fees.
Before credits & paid funds$52,650The complete starting cash picture.
Estimated remaining funds due at closing
$52,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,490.49
Your down payment$38,490.49
Closing costs + prepaids$14,159.24
Total buyer cash needed$52,649.73
Remaining funds due$52,649.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$1,137.50
Prepaid interest, first (26 days)$1,996.74
Fees + prepaids$14,159.24
Your down payment is the seller’s equity. You take over the $416,510 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $52,649.73 is due at closing. Uses and sources reconcile at $469,159.24 each. Not a Closing Disclosure.