Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$30,457Cash toward the purchase price.
Closing costs + prepaids$13,436Not just lender fees.
Before credits & paid funds$43,893The complete starting cash picture.
Estimated remaining funds due at closing
$43,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,457.12
Your down payment$30,457.12
Closing costs + prepaids$13,436.06
Total buyer cash needed$43,893.18
Remaining funds due$43,893.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,635.00
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)$736.75
Initial HOA (3 months)$135.00
Prepaid interest, first (18 days)$1,454.31
Fees + prepaids$13,436.06
Your down payment is the seller’s equity. You take over the $433,043 balance, so the rest of the $463,500 price is paid at closing. A second mortgage can cover part of it. $43,893.18 is due at closing. Uses and sources reconcile at $476,936.06 each. Not a Closing Disclosure.