Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,277Cash toward the purchase price.
Closing costs + prepaids$13,119Not just lender fees.
Before credits & paid funds$60,396The complete starting cash picture.
Estimated remaining funds due at closing
$60,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,276.57
Your down payment$47,276.57
Closing costs + prepaids$13,119.17
Total buyer cash needed$60,395.74
Remaining funds due$60,395.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$304.75
Initial HOA (3 months)$99.75
Prepaid interest, first (28 days)$2,219.67
Fees + prepaids$13,119.17
Your down payment is the seller’s equity. You take over the $379,723 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $60,395.74 is due at closing. Uses and sources reconcile at $440,119.17 each. Not a Closing Disclosure.