Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,212Cash toward the purchase price.
Closing costs + prepaids$13,455Not just lender fees.
Before credits & paid funds$63,667The complete starting cash picture.
Estimated remaining funds due at closing
$63,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,211.96
Your down payment$50,211.96
Closing costs + prepaids$13,454.81
Total buyer cash needed$63,666.77
Remaining funds due$63,666.77
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)$627.25
Prepaid interest, first (27 days)$1,602.56
Fees + prepaids$13,454.81
Your down payment is the seller’s equity. You take over the $424,788 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $63,666.77 is due at closing. Uses and sources reconcile at $488,454.81 each. Not a Closing Disclosure.