Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,898Cash toward the purchase price.
Closing costs + prepaids$16,347Not just lender fees.
Before credits & paid funds$46,244The complete starting cash picture.
Estimated remaining funds due at closing
$46,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,897.57
Your down payment$29,897.57
Closing costs + prepaids$16,346.52
Total buyer cash needed$46,244.09
Remaining funds due$46,244.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$2,322.00
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$2,589.52
Fees + prepaids$16,346.52
Your down payment is the seller’s equity. You take over the $445,102 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $46,244.09 is due at closing. Uses and sources reconcile at $491,346.52 each. Not a Closing Disclosure.