Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$34,694Cash toward the purchase price.
Closing costs + prepaids$12,459Not just lender fees.
Before credits & paid funds$47,153The complete starting cash picture.
Estimated remaining funds due at closing
$47,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,693.92
Your down payment$34,693.92
Closing costs + prepaids$12,459.28
Total buyer cash needed$47,153.20
Remaining funds due$47,153.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$543.75
Prepaid interest, first (17 days)$1,340.53
Fees + prepaids$12,459.28
Your down payment is the seller’s equity. You take over the $400,306 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $47,153.20 is due at closing. Uses and sources reconcile at $447,459.28 each. Not a Closing Disclosure.