Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,316Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$60,934The complete starting cash picture.
Estimated remaining funds due at closing
$60,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,315.63
Your down payment$46,315.63
Closing costs + prepaids$14,618.61
Total buyer cash needed$60,934.24
Remaining funds due$60,934.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,980.00
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)$1,245.00
Prepaid interest, first (24 days)$1,918.61
Fees + prepaids$14,618.61
Your down payment is the seller’s equity. You take over the $451,684 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $60,934.24 is due at closing. Uses and sources reconcile at $512,618.61 each. Not a Closing Disclosure.