Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$32,006Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$44,526The complete starting cash picture.
Estimated remaining funds due at closing
$44,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,006.45
Your down payment$32,006.45
Closing costs + prepaids$12,519.59
Total buyer cash needed$44,526.05
Remaining funds due$44,526.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$1,157.75
Prepaid interest, first (4 days)$346.84
Fees + prepaids$12,519.59
Your down payment is the seller’s equity. You take over the $421,994 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $44,526.05 is due at closing. Uses and sources reconcile at $466,519.59 each. Not a Closing Disclosure.