Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$34,685Cash toward the purchase price.
Closing costs + prepaids$12,943Not just lender fees.
Before credits & paid funds$47,628The complete starting cash picture.
Estimated remaining funds due at closing
$47,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,684.94
Your down payment$34,684.94
Closing costs + prepaids$12,943.27
Total buyer cash needed$47,628.20
Remaining funds due$47,628.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$576.00
Initial HOA (3 months)$426.99
Prepaid interest, first (7 days)$665.29
Fees + prepaids$12,943.27
Your down payment is the seller’s equity. You take over the $445,314 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $47,628.20 is due at closing. Uses and sources reconcile at $492,942.27 each. Not a Closing Disclosure.