Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$49,417Cash toward the purchase price.
Closing costs + prepaids$13,902Not just lender fees.
Before credits & paid funds$63,319The complete starting cash picture.
Estimated remaining funds due at closing
$63,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,416.75
Your down payment$49,416.75
Closing costs + prepaids$13,901.85
Total buyer cash needed$63,318.60
Remaining funds due$63,318.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,055.25
Initial HOA (3 months)$99.99
Prepaid interest, first (25 days)$1,521.61
Fees + prepaids$13,901.85
Your down payment is the seller’s equity. You take over the $425,583 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $63,318.60 is due at closing. Uses and sources reconcile at $488,901.85 each. Not a Closing Disclosure.