Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$49,021Cash toward the purchase price.
Closing costs + prepaids$14,022Not just lender fees.
Before credits & paid funds$63,043The complete starting cash picture.
Estimated remaining funds due at closing
$63,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,021.01
Your down payment$49,021.01
Closing costs + prepaids$14,021.61
Total buyer cash needed$63,042.62
Remaining funds due$63,042.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$279.25
Prepaid interest, first (30 days)$2,517.36
Fees + prepaids$14,021.61
Your down payment is the seller’s equity. You take over the $425,979 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $63,042.62 is due at closing. Uses and sources reconcile at $489,021.61 each. Not a Closing Disclosure.