Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$42,917Cash toward the purchase price.
Closing costs + prepaids$14,777Not just lender fees.
Before credits & paid funds$57,694The complete starting cash picture.
Estimated remaining funds due at closing
$57,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,916.70
Your down payment$42,916.70
Closing costs + prepaids$14,777.42
Total buyer cash needed$57,694.12
Remaining funds due$57,694.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,252.25
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$2,256.17
Fees + prepaids$14,777.42
Your down payment is the seller’s equity. You take over the $416,983 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $57,694.12 is due at closing. Uses and sources reconcile at $474,677.42 each. Not a Closing Disclosure.