Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,131Cash toward the purchase price.
Closing costs + prepaids$14,047Not just lender fees.
Before credits & paid funds$49,178The complete starting cash picture.
Estimated remaining funds due at closing
$49,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,131.37
Your down payment$35,131.37
Closing costs + prepaids$14,046.76
Total buyer cash needed$49,178.13
Remaining funds due$49,178.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,920.00
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)$336.75
Prepaid interest, first (27 days)$2,315.01
Fees + prepaids$14,046.76
Your down payment is the seller’s equity. You take over the $456,869 balance, so the rest of the $492,000 price is paid at closing. A second mortgage can cover part of it. $49,178.13 is due at closing. Uses and sources reconcile at $506,046.76 each. Not a Closing Disclosure.