Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$33,724Cash toward the purchase price.
Closing costs + prepaids$13,005Not just lender fees.
Before credits & paid funds$46,729The complete starting cash picture.
Estimated remaining funds due at closing
$46,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,723.87
Your down payment$33,723.87
Closing costs + prepaids$13,005.50
Total buyer cash needed$46,729.36
Remaining funds due$46,729.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$1,236.50
Prepaid interest, first (5 days)$445.00
Fees + prepaids$13,005.50
Your down payment is the seller’s equity. You take over the $451,176 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $46,729.36 is due at closing. Uses and sources reconcile at $497,905.50 each. Not a Closing Disclosure.