Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$48,254Cash toward the purchase price.
Closing costs + prepaids$15,054Not just lender fees.
Before credits & paid funds$63,307The complete starting cash picture.
Estimated remaining funds due at closing
$63,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,253.53
Your down payment$48,253.53
Closing costs + prepaids$15,053.73
Total buyer cash needed$63,307.25
Remaining funds due$63,307.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,175.00
Initial HOA (3 months)$462.00
Prepaid interest, first (29 days)$2,241.73
Fees + prepaids$15,053.73
Your down payment is the seller’s equity. You take over the $421,746 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $63,307.25 is due at closing. Uses and sources reconcile at $485,053.73 each. Not a Closing Disclosure.