Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$48,301Cash toward the purchase price.
Closing costs + prepaids$13,208Not just lender fees.
Before credits & paid funds$61,508The complete starting cash picture.
Estimated remaining funds due at closing
$61,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,300.67
Your down payment$48,300.67
Closing costs + prepaids$13,207.77
Total buyer cash needed$61,508.44
Remaining funds due$61,508.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,024.75
Prepaid interest, first (27 days)$1,859.02
Fees + prepaids$13,207.77
Your down payment is the seller’s equity. You take over the $361,599 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $61,508.44 is due at closing. Uses and sources reconcile at $423,107.77 each. Not a Closing Disclosure.