Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,326Cash toward the purchase price.
Closing costs + prepaids$12,412Not just lender fees.
Before credits & paid funds$60,738The complete starting cash picture.
Estimated remaining funds due at closing
$60,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,325.98
Your down payment$48,325.98
Closing costs + prepaids$12,412.22
Total buyer cash needed$60,738.21
Remaining funds due$60,738.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.99
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)$602.50
Initial HOA (3 months)$66.00
Prepaid interest, first (2 days)$168.73
Fees + prepaids$12,412.22
Your down payment is the seller’s equity. You take over the $461,673 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $60,738.21 is due at closing. Uses and sources reconcile at $522,411.22 each. Not a Closing Disclosure.