Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,972Cash toward the purchase price.
Closing costs + prepaids$12,557Not just lender fees.
Before credits & paid funds$61,529The complete starting cash picture.
Estimated remaining funds due at closing
$61,529No 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$12,556.97
Total buyer cash needed$61,529.45
Remaining funds due$61,529.45
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)$321.00
Prepaid interest, first (28 days)$1,910.97
Fees + prepaids$12,556.97
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. $61,529.45 is due at closing. Uses and sources reconcile at $422,556.97 each. Not a Closing Disclosure.