Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,564Cash toward the purchase price.
Closing costs + prepaids$14,271Not just lender fees.
Before credits & paid funds$53,835The complete starting cash picture.
Estimated remaining funds due at closing
$53,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,563.95
Your down payment$39,563.95
Closing costs + prepaids$14,271.49
Total buyer cash needed$53,835.44
Remaining funds due$53,835.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$1,127.75
Initial HOA (3 months)$11.25
Prepaid interest, first (26 days)$2,057.49
Fees + prepaids$14,271.49
Your down payment is the seller’s equity. You take over the $420,436 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $53,835.44 is due at closing. Uses and sources reconcile at $474,271.49 each. Not a Closing Disclosure.