Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,618Cash toward the purchase price.
Closing costs + prepaids$15,642Not just lender fees.
Before credits & paid funds$60,260The complete starting cash picture.
Estimated remaining funds due at closing
$60,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,617.96
Your down payment$44,617.96
Closing costs + prepaids$15,641.63
Total buyer cash needed$60,259.59
Remaining funds due$60,259.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,689.00
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)$1,172.25
Initial HOA (3 months)$1,167.00
Prepaid interest, first (28 days)$2,138.38
Fees + prepaids$15,641.63
Your down payment is the seller’s equity. You take over the $424,282 balance, so the rest of the $468,900 price is paid at closing. A second mortgage can cover part of it. $60,259.59 is due at closing. Uses and sources reconcile at $484,541.63 each. Not a Closing Disclosure.