Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$34,244Cash toward the purchase price.
Closing costs + prepaids$13,067Not just lender fees.
Before credits & paid funds$47,311The complete starting cash picture.
Estimated remaining funds due at closing
$47,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,243.81
Your down payment$34,243.81
Closing costs + prepaids$13,067.43
Total buyer cash needed$47,311.24
Remaining funds due$47,311.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$586.25
Prepaid interest, first (17 days)$1,316.18
Fees + prepaids$13,067.43
Your down payment is the seller’s equity. You take over the $434,756 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $47,311.24 is due at closing. Uses and sources reconcile at $482,067.43 each. Not a Closing Disclosure.