Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,530Cash toward the purchase price.
Closing costs + prepaids$11,990Not just lender fees.
Before credits & paid funds$46,520The complete starting cash picture.
Estimated remaining funds due at closing
$46,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,530.49
Your down payment$34,530.49
Closing costs + prepaids$11,989.66
Total buyer cash needed$46,520.15
Remaining funds due$46,520.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Prepaid interest, first (12 days)$892.66
Fees + prepaids$11,989.66
Your down payment is the seller’s equity. You take over the $400,470 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $46,520.15 is due at closing. Uses and sources reconcile at $446,989.66 each. Not a Closing Disclosure.