Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,151Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$46,966The complete starting cash picture.
Estimated remaining funds due at closing
$46,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,151.48
Your down payment$34,151.48
Closing costs + prepaids$12,814.02
Total buyer cash needed$46,965.50
Remaining funds due$46,965.50
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)$570.00
Initial HOA (3 months)$261.00
Prepaid interest, first (12 days)$758.02
Fees + prepaids$12,814.02
Your down payment is the seller’s equity. You take over the $440,849 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $46,965.50 is due at closing. Uses and sources reconcile at $487,814.02 each. Not a Closing Disclosure.