Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,992Cash toward the purchase price.
Closing costs + prepaids$15,089Not just lender fees.
Before credits & paid funds$63,081The complete starting cash picture.
Estimated remaining funds due at closing
$63,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,991.78
Your down payment$47,991.78
Closing costs + prepaids$15,089.03
Total buyer cash needed$63,080.81
Remaining funds due$63,080.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,789.00
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)$1,504.50
Prepaid interest, first (28 days)$2,320.53
Fees + prepaids$15,089.03
Your down payment is the seller’s equity. You take over the $430,908 balance, so the rest of the $478,900 price is paid at closing. A second mortgage can cover part of it. $63,080.81 is due at closing. Uses and sources reconcile at $493,989.03 each. Not a Closing Disclosure.