Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,618Cash toward the purchase price.
Closing costs + prepaids$15,578Not just lender fees.
Before credits & paid funds$61,196The complete starting cash picture.
Estimated remaining funds due at closing
$61,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,617.96
Your down payment$45,617.96
Closing costs + prepaids$15,577.76
Total buyer cash needed$61,195.72
Remaining funds due$61,195.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$1,174.75
Initial HOA (3 months)$1,167.00
Prepaid interest, first (27 days)$2,062.01
Fees + prepaids$15,577.76
Your down payment is the seller’s equity. You take over the $424,282 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $61,195.72 is due at closing. Uses and sources reconcile at $485,477.76 each. Not a Closing Disclosure.