Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$33,633Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$45,978The complete starting cash picture.
Estimated remaining funds due at closing
$45,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,632.56
Your down payment$33,632.56
Closing costs + prepaids$12,345.47
Total buyer cash needed$45,978.03
Remaining funds due$45,978.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$562.75
Initial HOA (3 months)$174.00
Prepaid interest, first (6 days)$443.72
Fees + prepaids$12,345.47
Your down payment is the seller’s equity. You take over the $435,367 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $45,978.03 is due at closing. Uses and sources reconcile at $481,345.47 each. Not a Closing Disclosure.