Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$47,148Cash toward the purchase price.
Closing costs + prepaids$12,893Not just lender fees.
Before credits & paid funds$60,040The complete starting cash picture.
Estimated remaining funds due at closing
$60,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,147.69
Your down payment$47,147.69
Closing costs + prepaids$12,892.75
Total buyer cash needed$60,040.44
Remaining funds due$60,040.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,541.69
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)$114.75
Initial HOA (3 months)$471.00
Prepaid interest, first (29 days)$1,290.31
Fees + prepaids$12,892.75
Your down payment is the seller’s equity. You take over the $407,021 balance, so the rest of the $454,169 price is paid at closing. A second mortgage can cover part of it. $60,040.44 is due at closing. Uses and sources reconcile at $467,061.75 each. Not a Closing Disclosure.