Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,951Cash toward the purchase price.
Closing costs + prepaids$13,897Not just lender fees.
Before credits & paid funds$33,848The complete starting cash picture.
Estimated remaining funds due at closing
$33,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,950.77
Your down payment$19,950.77
Closing costs + prepaids$13,897.28
Total buyer cash needed$33,848.05
Remaining funds due$33,848.05
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)$2,399.03
Fees + prepaids$13,897.28
Your down payment is the seller’s equity. You take over the $449,049 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $33,848.05 is due at closing. Uses and sources reconcile at $482,897.28 each. Not a Closing Disclosure.