Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$30,929Cash toward the purchase price.
Closing costs + prepaids$14,819Not just lender fees.
Before credits & paid funds$45,747The complete starting cash picture.
Estimated remaining funds due at closing
$45,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,928.56
Your down payment$30,928.56
Closing costs + prepaids$14,818.92
Total buyer cash needed$45,747.48
Remaining funds due$45,747.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,030.00
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)$1,257.50
Prepaid interest, first (30 days)$2,056.42
Fees + prepaids$14,818.92
Your down payment is the seller’s equity. You take over the $472,071 balance, so the rest of the $503,000 price is paid at closing. A second mortgage can cover part of it. $45,747.48 is due at closing. Uses and sources reconcile at $517,818.92 each. Not a Closing Disclosure.