Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$36,046Cash toward the purchase price.
Closing costs + prepaids$12,943Not just lender fees.
Before credits & paid funds$48,988The complete starting cash picture.
Estimated remaining funds due at closing
$48,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,045.72
Your down payment$36,045.72
Closing costs + prepaids$12,942.60
Total buyer cash needed$48,988.32
Remaining funds due$48,988.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,549.99
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)$624.25
Prepaid interest, first (18 days)$1,293.36
Fees + prepaids$12,942.60
Your down payment is the seller’s equity. You take over the $418,953 balance, so the rest of the $454,999 price is paid at closing. A second mortgage can cover part of it. $48,988.32 is due at closing. Uses and sources reconcile at $467,941.60 each. Not a Closing Disclosure.