Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$47,630Cash toward the purchase price.
Closing costs + prepaids$14,507Not just lender fees.
Before credits & paid funds$62,137The complete starting cash picture.
Estimated remaining funds due at closing
$62,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,630.04
Your down payment$47,630.04
Closing costs + prepaids$14,506.75
Total buyer cash needed$62,136.80
Remaining funds due$62,136.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,260.00
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)$2,147.25
Initial HOA (3 months)$66.00
Prepaid interest, first (26 days)$1,808.50
Fees + prepaids$14,506.75
Your down payment is the seller’s equity. You take over the $378,370 balance, so the rest of the $426,000 price is paid at closing. A second mortgage can cover part of it. $62,136.80 is due at closing. Uses and sources reconcile at $440,506.75 each. Not a Closing Disclosure.