Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$51,898Cash toward the purchase price.
Closing costs + prepaids$12,531Not just lender fees.
Before credits & paid funds$64,429The complete starting cash picture.
Estimated remaining funds due at closing
$64,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,897.69
Your down payment$51,897.69
Closing costs + prepaids$12,530.88
Total buyer cash needed$64,428.57
Remaining funds due$64,428.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,589.19
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)$550.75
Initial HOA (3 months)$471.00
Prepaid interest, first (10 days)$444.94
Fees + prepaids$12,530.88
Your down payment is the seller’s equity. You take over the $407,021 balance, so the rest of the $458,919 price is paid at closing. A second mortgage can cover part of it. $64,428.57 is due at closing. Uses and sources reconcile at $471,449.88 each. Not a Closing Disclosure.