Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$48,163Cash toward the purchase price.
Closing costs + prepaids$14,683Not just lender fees.
Before credits & paid funds$62,845The complete starting cash picture.
Estimated remaining funds due at closing
$62,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,162.56
Your down payment$48,162.56
Closing costs + prepaids$14,682.92
Total buyer cash needed$62,845.48
Remaining funds due$62,845.48
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)$1,412.50
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$2,148.93
Fees + prepaids$14,682.92
Your down payment is the seller’s equity. You take over the $411,737 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $62,845.48 is due at closing. Uses and sources reconcile at $474,582.92 each. Not a Closing Disclosure.