Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$33,226Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$45,826The complete starting cash picture.
Estimated remaining funds due at closing
$45,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,225.51
Your down payment$33,225.51
Closing costs + prepaids$12,600.52
Total buyer cash needed$45,826.02
Remaining funds due$45,826.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$81.50
Prepaid interest, first (19 days)$1,444.02
Fees + prepaids$12,600.52
Your down payment is the seller’s equity. You take over the $426,774 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $45,826.02 is due at closing. Uses and sources reconcile at $472,600.52 each. Not a Closing Disclosure.