Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$48,842Cash toward the purchase price.
Closing costs + prepaids$13,684Not just lender fees.
Before credits & paid funds$62,526The complete starting cash picture.
Estimated remaining funds due at closing
$62,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,842.22
Your down payment$48,842.22
Closing costs + prepaids$13,684.14
Total buyer cash needed$62,526.37
Remaining funds due$62,526.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$847.50
Initial HOA (3 months)$516.00
Prepaid interest, first (22 days)$1,745.64
Fees + prepaids$13,684.14
Your down payment is the seller’s equity. You take over the $386,158 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $62,526.37 is due at closing. Uses and sources reconcile at $448,684.14 each. Not a Closing Disclosure.