Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,717Cash toward the purchase price.
Closing costs + prepaids$13,753Not just lender fees.
Before credits & paid funds$34,471The complete starting cash picture.
Estimated remaining funds due at closing
$34,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,717.45
Your down payment$20,717.45
Closing costs + prepaids$13,753.17
Total buyer cash needed$34,470.62
Remaining funds due$34,470.62
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)$333.25
Prepaid interest, first (30 days)$2,254.92
Fees + prepaids$13,753.17
Your down payment is the seller’s equity. You take over the $448,283 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $34,470.62 is due at closing. Uses and sources reconcile at $482,753.17 each. Not a Closing Disclosure.