Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,880Cash toward the purchase price.
Closing costs + prepaids$12,246Not just lender fees.
Before credits & paid funds$49,125The complete starting cash picture.
Estimated remaining funds due at closing
$49,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,879.62
Your down payment$36,879.62
Closing costs + prepaids$12,245.81
Total buyer cash needed$49,125.42
Remaining funds due$49,125.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,147.50
Prepaid interest, first (1 days)$33.31
Fees + prepaids$12,245.81
Your down payment is the seller’s equity. You take over the $422,120 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $49,125.42 is due at closing. Uses and sources reconcile at $471,245.81 each. Not a Closing Disclosure.