Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$48,972Cash toward the purchase price.
Closing costs + prepaids$11,499Not just lender fees.
Before credits & paid funds$60,472The complete starting cash picture.
Estimated remaining funds due at closing
$60,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,972.48
Your down payment$48,972.48
Closing costs + prepaids$11,499.49
Total buyer cash needed$60,471.97
Remaining funds due$60,471.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (10 days)$682.49
Fees + prepaids$11,499.49
Your down payment is the seller’s equity. You take over the $361,028 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $60,471.97 is due at closing. Uses and sources reconcile at $421,499.49 each. Not a Closing Disclosure.