Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,226Cash toward the purchase price.
Closing costs + prepaids$14,595Not just lender fees.
Before credits & paid funds$62,821The complete starting cash picture.
Estimated remaining funds due at closing
$62,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,226.02
Your down payment$48,226.02
Closing costs + prepaids$14,594.89
Total buyer cash needed$62,820.91
Remaining funds due$62,820.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.90
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)$1,219.75
Initial HOA (3 months)$83.01
Prepaid interest, first (24 days)$1,967.23
Fees + prepaids$14,594.89
Your down payment is the seller’s equity. You take over the $436,764 balance, so the rest of the $484,990 price is paid at closing. A second mortgage can cover part of it. $62,820.91 is due at closing. Uses and sources reconcile at $499,584.89 each. Not a Closing Disclosure.