Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,754Cash toward the purchase price.
Closing costs + prepaids$14,932Not just lender fees.
Before credits & paid funds$63,686The complete starting cash picture.
Estimated remaining funds due at closing
$63,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,754.29
Your down payment$48,754.29
Closing costs + prepaids$14,931.65
Total buyer cash needed$63,685.94
Remaining funds due$63,685.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$1,096.25
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$2,456.40
Fees + prepaids$14,931.65
Your down payment is the seller’s equity. You take over the $416,146 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $63,685.94 is due at closing. Uses and sources reconcile at $479,831.65 each. Not a Closing Disclosure.