Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$47,148Cash toward the purchase price.
Closing costs + prepaids$12,478Not just lender fees.
Before credits & paid funds$59,625The complete starting cash picture.
Estimated remaining funds due at closing
$59,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,147.69
Your down payment$47,147.69
Closing costs + prepaids$12,477.63
Total buyer cash needed$59,625.32
Remaining funds due$59,625.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,541.69
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)$545.00
Initial HOA (3 months)$471.00
Prepaid interest, first (10 days)$444.94
Fees + prepaids$12,477.63
Your down payment is the seller’s equity. You take over the $407,021 balance, so the rest of the $454,169 price is paid at closing. A second mortgage can cover part of it. $59,625.32 is due at closing. Uses and sources reconcile at $466,646.63 each. Not a Closing Disclosure.