Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,378Cash toward the purchase price.
Closing costs + prepaids$14,017Not just lender fees.
Before credits & paid funds$48,395The complete starting cash picture.
Estimated remaining funds due at closing
$48,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,378.01
Your down payment$34,378.01
Closing costs + prepaids$14,016.91
Total buyer cash needed$48,394.92
Remaining funds due$48,394.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,680.00
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)$1,246.50
Initial HOA (3 months)$1,470.00
Prepaid interest, first (2 days)$145.41
Fees + prepaids$14,016.91
Your down payment is the seller’s equity. You take over the $433,622 balance, so the rest of the $468,000 price is paid at closing. A second mortgage can cover part of it. $48,394.92 is due at closing. Uses and sources reconcile at $482,016.91 each. Not a Closing Disclosure.