Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,557Cash toward the purchase price.
Closing costs + prepaids$15,384Not just lender fees.
Before credits & paid funds$60,941The complete starting cash picture.
Estimated remaining funds due at closing
$60,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,556.64
Your down payment$45,556.64
Closing costs + prepaids$15,384.38
Total buyer cash needed$60,941.02
Remaining funds due$60,941.02
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)$1,300.00
Prepaid interest, first (28 days)$2,409.39
Fees + prepaids$15,384.38
Your down payment is the seller’s equity. You take over the $474,442 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $60,941.02 is due at closing. Uses and sources reconcile at $535,383.38 each. Not a Closing Disclosure.