Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,708Cash toward the purchase price.
Closing costs + prepaids$14,100Not just lender fees.
Before credits & paid funds$63,807The complete starting cash picture.
Estimated remaining funds due at closing
$63,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,707.79
Your down payment$49,707.79
Closing costs + prepaids$14,099.65
Total buyer cash needed$63,807.45
Remaining funds due$63,807.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,259.90
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)$1,521.25
Initial HOA (3 months)$249.00
Prepaid interest, first (28 days)$1,844.50
Fees + prepaids$14,099.65
Your down payment is the seller’s equity. You take over the $376,282 balance, so the rest of the $425,990 price is paid at closing. A second mortgage can cover part of it. $63,807.45 is due at closing. Uses and sources reconcile at $440,089.65 each. Not a Closing Disclosure.