Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,665Cash toward the purchase price.
Closing costs + prepaids$14,643Not just lender fees.
Before credits & paid funds$62,308The complete starting cash picture.
Estimated remaining funds due at closing
$62,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,664.96
Your down payment$47,664.96
Closing costs + prepaids$14,642.69
Total buyer cash needed$62,307.64
Remaining funds due$62,307.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,124.75
Initial HOA (3 months)$1,050.00
Prepaid interest, first (25 days)$1,743.94
Fees + prepaids$14,642.69
Your down payment is the seller’s equity. You take over the $402,235 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $62,307.64 is due at closing. Uses and sources reconcile at $464,542.69 each. Not a Closing Disclosure.