Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$39,706Cash toward the purchase price.
Closing costs + prepaids$12,614Not just lender fees.
Before credits & paid funds$52,320The complete starting cash picture.
Estimated remaining funds due at closing
$52,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,706.13
Your down payment$39,706.13
Closing costs + prepaids$12,614.22
Total buyer cash needed$52,320.35
Remaining funds due$52,320.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Prepaid interest, first (12 days)$931.22
Fees + prepaids$12,614.22
Your down payment is the seller’s equity. You take over the $425,294 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $52,320.35 is due at closing. Uses and sources reconcile at $477,614.22 each. Not a Closing Disclosure.