Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,126Cash toward the purchase price.
Closing costs + prepaids$14,067Not just lender fees.
Before credits & paid funds$51,193The complete starting cash picture.
Estimated remaining funds due at closing
$51,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,125.76
Your down payment$37,125.76
Closing costs + prepaids$14,067.38
Total buyer cash needed$51,193.15
Remaining funds due$51,193.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,636.50
Initial HOA (3 months)$27.75
Prepaid interest, first (27 days)$1,329.13
Fees + prepaids$14,067.38
Your down payment is the seller’s equity. You take over the $422,774 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $51,193.15 is due at closing. Uses and sources reconcile at $473,967.38 each. Not a Closing Disclosure.