Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,776Cash toward the purchase price.
Closing costs + prepaids$14,362Not just lender fees.
Before credits & paid funds$59,137The complete starting cash picture.
Estimated remaining funds due at closing
$59,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,775.73
Your down payment$44,775.73
Closing costs + prepaids$14,361.74
Total buyer cash needed$59,137.47
Remaining funds due$59,137.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,780.00
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)$1,103.50
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$1,778.24
Fees + prepaids$14,361.74
Your down payment is the seller’s equity. You take over the $433,224 balance, so the rest of the $478,000 price is paid at closing. A second mortgage can cover part of it. $59,137.47 is due at closing. Uses and sources reconcile at $492,361.74 each. Not a Closing Disclosure.