Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$47,044Cash toward the purchase price.
Closing costs + prepaids$13,193Not just lender fees.
Before credits & paid funds$60,237The complete starting cash picture.
Estimated remaining funds due at closing
$60,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,043.56
Your down payment$47,043.56
Closing costs + prepaids$13,193.21
Total buyer cash needed$60,236.77
Remaining funds due$60,236.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,499.50
Initial HOA (3 months)$108.99
Prepaid interest, first (24 days)$1,209.72
Fees + prepaids$13,193.21
Your down payment is the seller’s equity. You take over the $367,956 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $60,236.77 is due at closing. Uses and sources reconcile at $428,193.21 each. Not a Closing Disclosure.