Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,719Cash toward the purchase price.
Closing costs + prepaids$15,536Not just lender fees.
Before credits & paid funds$59,256The complete starting cash picture.
Estimated remaining funds due at closing
$59,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,719.47
Your down payment$43,719.47
Closing costs + prepaids$15,536.32
Total buyer cash needed$59,255.79
Remaining funds due$59,255.79
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)$1,110.50
Initial HOA (3 months)$990.00
Prepaid interest, first (30 days)$2,360.82
Fees + prepaids$15,536.32
Your down payment is the seller’s equity. You take over the $416,281 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $59,255.79 is due at closing. Uses and sources reconcile at $475,536.32 each. Not a Closing Disclosure.