Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$33,763Cash toward the purchase price.
Closing costs + prepaids$13,074Not just lender fees.
Before credits & paid funds$46,836The complete starting cash picture.
Estimated remaining funds due at closing
$46,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,762.51
Your down payment$33,762.51
Closing costs + prepaids$13,073.67
Total buyer cash needed$46,836.18
Remaining funds due$46,836.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.25
Initial HOA (3 months)$456.00
Prepaid interest, first (20 days)$1,514.42
Fees + prepaids$13,073.67
Your down payment is the seller’s equity. You take over the $416,237 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $46,836.18 is due at closing. Uses and sources reconcile at $463,073.67 each. Not a Closing Disclosure.