Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,524Cash toward the purchase price.
Closing costs + prepaids$12,949Not just lender fees.
Before credits & paid funds$61,473The complete starting cash picture.
Estimated remaining funds due at closing
$61,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,523.50
Your down payment$48,523.50
Closing costs + prepaids$12,949.28
Total buyer cash needed$61,472.78
Remaining funds due$61,472.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$698.25
Initial HOA (3 months)$63.00
Prepaid interest, first (24 days)$1,663.03
Fees + prepaids$12,949.28
Your down payment is the seller’s equity. You take over the $381,476 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $61,472.78 is due at closing. Uses and sources reconcile at $442,949.28 each. Not a Closing Disclosure.