Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,676Cash toward the purchase price.
Closing costs + prepaids$11,818Not just lender fees.
Before credits & paid funds$46,493The complete starting cash picture.
Estimated remaining funds due at closing
$46,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,675.92
Your down payment$34,675.92
Closing costs + prepaids$11,817.58
Total buyer cash needed$46,493.50
Remaining funds due$46,493.50
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 (1 days)$85.83
Fees + prepaids$11,817.58
Your down payment is the seller’s equity. You take over the $457,324 balance, so the rest of the $492,000 price is paid at closing. A second mortgage can cover part of it. $46,493.50 is due at closing. Uses and sources reconcile at $503,817.58 each. Not a Closing Disclosure.