Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$17,195Cash toward the purchase price.
Closing costs + prepaids$14,572Not just lender fees.
Before credits & paid funds$31,767The complete starting cash picture.
Estimated remaining funds due at closing
$31,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,194.91
Your down payment$17,194.91
Closing costs + prepaids$14,571.90
Total buyer cash needed$31,766.81
Remaining funds due$31,766.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,028.75
Prepaid interest, first (30 days)$2,418.15
Fees + prepaids$14,571.90
Your down payment is the seller’s equity. You take over the $447,805 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $31,766.81 is due at closing. Uses and sources reconcile at $479,571.90 each. Not a Closing Disclosure.