Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,809Cash toward the purchase price.
Closing costs + prepaids$11,309Not just lender fees.
Before credits & paid funds$44,117The complete starting cash picture.
Estimated remaining funds due at closing
$44,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,808.80
Your down payment$32,808.80
Closing costs + prepaids$11,308.65
Total buyer cash needed$44,117.45
Remaining funds due$44,117.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$81.50
Prepaid interest, first (2 days)$152.15
Fees + prepaids$11,308.65
Your down payment is the seller’s equity. You take over the $427,191 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $44,117.45 is due at closing. Uses and sources reconcile at $471,308.65 each. Not a Closing Disclosure.