Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$47,778Cash toward the purchase price.
Closing costs + prepaids$16,813Not just lender fees.
Before credits & paid funds$64,591The complete starting cash picture.
Estimated remaining funds due at closing
$64,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,777.75
Your down payment$47,777.75
Closing costs + prepaids$16,813.30
Total buyer cash needed$64,591.05
Remaining funds due$64,591.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$2,867.50
Initial HOA (3 months)$16.50
Prepaid interest, first (27 days)$2,355.30
Fees + prepaids$16,813.30
Your down payment is the seller’s equity. You take over the $462,122 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $64,591.05 is due at closing. Uses and sources reconcile at $526,713.30 each. Not a Closing Disclosure.