Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$47,554Cash toward the purchase price.
Closing costs + prepaids$13,396Not just lender fees.
Before credits & paid funds$60,949The complete starting cash picture.
Estimated remaining funds due at closing
$60,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,553.72
Your down payment$47,553.72
Closing costs + prepaids$13,395.53
Total buyer cash needed$60,949.25
Remaining funds due$60,949.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.99
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)$624.00
Initial HOA (3 months)$206.01
Prepaid interest, first (10 days)$890.53
Fees + prepaids$13,395.53
Your down payment is the seller’s equity. You take over the $472,445 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $60,949.25 is due at closing. Uses and sources reconcile at $533,394.53 each. Not a Closing Disclosure.