Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,117Cash toward the purchase price.
Closing costs + prepaids$14,519Not just lender fees.
Before credits & paid funds$62,636The complete starting cash picture.
Estimated remaining funds due at closing
$62,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,116.94
Your down payment$48,116.94
Closing costs + prepaids$14,519.36
Total buyer cash needed$62,636.30
Remaining funds due$62,636.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$541.75
Initial HOA (3 months)$8.25
Prepaid interest, first (26 days)$2,304.36
Fees + prepaids$14,519.36
Your down payment is the seller’s equity. You take over the $470,883 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $62,636.30 is due at closing. Uses and sources reconcile at $533,519.36 each. Not a Closing Disclosure.