Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$48,887Cash toward the purchase price.
Closing costs + prepaids$12,998Not just lender fees.
Before credits & paid funds$61,885The complete starting cash picture.
Estimated remaining funds due at closing
$61,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,886.51
Your down payment$48,886.51
Closing costs + prepaids$12,998.14
Total buyer cash needed$61,884.64
Remaining funds due$61,884.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,136.00
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)$901.00
Prepaid interest, first (25 days)$1,736.14
Fees + prepaids$12,998.14
Your down payment is the seller’s equity. You take over the $364,713 balance, so the rest of the $413,600 price is paid at closing. A second mortgage can cover part of it. $61,884.64 is due at closing. Uses and sources reconcile at $426,598.14 each. Not a Closing Disclosure.