Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,114Cash toward the purchase price.
Closing costs + prepaids$12,434Not just lender fees.
Before credits & paid funds$58,548The complete starting cash picture.
Estimated remaining funds due at closing
$58,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,114.00
Your down payment$46,114.00
Closing costs + prepaids$12,433.79
Total buyer cash needed$58,547.79
Remaining funds due$58,547.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,694.00
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)$1,188.25
Prepaid interest, first (1 days)$76.54
Fees + prepaids$12,433.79
Your down payment is the seller’s equity. You take over the $423,286 balance, so the rest of the $469,400 price is paid at closing. A second mortgage can cover part of it. $58,547.79 is due at closing. Uses and sources reconcile at $481,833.79 each. Not a Closing Disclosure.