Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$33,431Cash toward the purchase price.
Closing costs + prepaids$13,040Not just lender fees.
Before credits & paid funds$46,471The complete starting cash picture.
Estimated remaining funds due at closing
$46,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,431.06
Your down payment$33,431.06
Closing costs + prepaids$13,039.77
Total buyer cash needed$46,470.83
Remaining funds due$46,470.83
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
Initial HOA (3 months)$120.00
Prepaid interest, first (16 days)$1,168.52
Fees + prepaids$13,039.77
Your down payment is the seller’s equity. You take over the $435,569 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $46,470.83 is due at closing. Uses and sources reconcile at $482,039.77 each. Not a Closing Disclosure.