Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$48,443Cash toward the purchase price.
Closing costs + prepaids$14,174Not just lender fees.
Before credits & paid funds$62,617The complete starting cash picture.
Estimated remaining funds due at closing
$62,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,442.98
Your down payment$48,442.98
Closing costs + prepaids$14,174.02
Total buyer cash needed$62,616.99
Remaining funds due$62,616.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,185.50
Initial HOA (3 months)$25.50
Prepaid interest, first (22 days)$1,738.02
Fees + prepaids$14,174.02
Your down payment is the seller’s equity. You take over the $426,557 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $62,616.99 is due at closing. Uses and sources reconcile at $489,174.02 each. Not a Closing Disclosure.