Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,439Cash toward the purchase price.
Closing costs + prepaids$14,286Not just lender fees.
Before credits & paid funds$66,725The complete starting cash picture.
Estimated remaining funds due at closing
$66,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,438.54
Your down payment$52,438.54
Closing costs + prepaids$14,286.46
Total buyer cash needed$66,725.01
Remaining funds due$66,725.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,630.00
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)$1,332.25
Prepaid interest, first (24 days)$1,849.21
Fees + prepaids$14,286.46
Your down payment is the seller’s equity. You take over the $410,561 balance, so the rest of the $463,000 price is paid at closing. A second mortgage can cover part of it. $66,725.01 is due at closing. Uses and sources reconcile at $477,286.46 each. Not a Closing Disclosure.