Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,705Cash toward the purchase price.
Closing costs + prepaids$15,230Not just lender fees.
Before credits & paid funds$61,935The complete starting cash picture.
Estimated remaining funds due at closing
$61,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,705.19
Your down payment$46,705.19
Closing costs + prepaids$15,229.66
Total buyer cash needed$61,934.84
Remaining funds due$61,934.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,102.00
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)$1,275.50
Prepaid interest, first (30 days)$2,377.16
Fees + prepaids$15,229.66
Your down payment is the seller’s equity. You take over the $463,495 balance, so the rest of the $510,200 price is paid at closing. A second mortgage can cover part of it. $61,934.84 is due at closing. Uses and sources reconcile at $525,429.66 each. Not a Closing Disclosure.