Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$25,023Cash toward the purchase price.
Closing costs + prepaids$14,315Not just lender fees.
Before credits & paid funds$39,337The complete starting cash picture.
Estimated remaining funds due at closing
$39,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,022.84
Your down payment$25,022.84
Closing costs + prepaids$14,314.56
Total buyer cash needed$39,337.40
Remaining funds due$39,337.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$763.75
Prepaid interest, first (29 days)$2,375.81
Fees + prepaids$14,314.56
Your down payment is the seller’s equity. You take over the $444,977 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $39,337.40 is due at closing. Uses and sources reconcile at $484,314.56 each. Not a Closing Disclosure.