Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$44,697Cash toward the purchase price.
Closing costs + prepaids$12,476Not just lender fees.
Before credits & paid funds$57,173The complete starting cash picture.
Estimated remaining funds due at closing
$57,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,697.18
Your down payment$44,697.18
Closing costs + prepaids$12,475.52
Total buyer cash needed$57,172.70
Remaining funds due$57,172.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$564.00
Initial HOA (3 months)$285.00
Prepaid interest, first (10 days)$451.52
Fees + prepaids$12,475.52
Your down payment is the seller’s equity. You take over the $425,303 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $57,172.70 is due at closing. Uses and sources reconcile at $482,475.52 each. Not a Closing Disclosure.