Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,275Cash toward the purchase price.
Closing costs + prepaids$13,890Not just lender fees.
Before credits & paid funds$47,165The complete starting cash picture.
Estimated remaining funds due at closing
$47,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,275.25
Your down payment$33,275.25
Closing costs + prepaids$13,889.62
Total buyer cash needed$47,164.87
Remaining funds due$47,164.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,620.00
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)$2,318.00
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$161.62
Fees + prepaids$13,889.62
Your down payment is the seller’s equity. You take over the $428,725 balance, so the rest of the $462,000 price is paid at closing. A second mortgage can cover part of it. $47,164.87 is due at closing. Uses and sources reconcile at $475,889.62 each. Not a Closing Disclosure.