Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$48,823Cash toward the purchase price.
Closing costs + prepaids$14,182Not just lender fees.
Before credits & paid funds$63,005The complete starting cash picture.
Estimated remaining funds due at closing
$63,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,823.29
Your down payment$48,823.29
Closing costs + prepaids$14,181.82
Total buyer cash needed$63,005.11
Remaining funds due$63,005.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.99
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)$602.50
Initial HOA (3 months)$66.00
Prepaid interest, first (23 days)$1,938.33
Fees + prepaids$14,181.82
Your down payment is the seller’s equity. You take over the $461,176 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $63,005.11 is due at closing. Uses and sources reconcile at $524,180.82 each. Not a Closing Disclosure.