Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,273Cash toward the purchase price.
Closing costs + prepaids$14,440Not just lender fees.
Before credits & paid funds$46,713The complete starting cash picture.
Estimated remaining funds due at closing
$46,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,272.56
Your down payment$32,272.56
Closing costs + prepaids$14,440.05
Total buyer cash needed$46,712.61
Remaining funds due$46,712.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$416.25
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,498.80
Fees + prepaids$14,440.05
Your down payment is the seller’s equity. You take over the $442,727 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $46,712.61 is due at closing. Uses and sources reconcile at $489,440.05 each. Not a Closing Disclosure.