Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$31,630Cash toward the purchase price.
Closing costs + prepaids$15,043Not just lender fees.
Before credits & paid funds$46,673The complete starting cash picture.
Estimated remaining funds due at closing
$46,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,630.09
Your down payment$31,630.09
Closing costs + prepaids$15,043.10
Total buyer cash needed$46,673.19
Remaining funds due$46,673.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$1,268.25
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$2,304.86
Fees + prepaids$15,043.10
Your down payment is the seller’s equity. You take over the $448,369 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $46,673.19 is due at closing. Uses and sources reconcile at $495,042.10 each. Not a Closing Disclosure.