Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,206Cash toward the purchase price.
Closing costs + prepaids$14,921Not just lender fees.
Before credits & paid funds$63,127The complete starting cash picture.
Estimated remaining funds due at closing
$63,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,205.93
Your down payment$48,205.93
Closing costs + prepaids$14,921.33
Total buyer cash needed$63,127.27
Remaining funds due$63,127.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,249.75
Prepaid interest, first (26 days)$2,197.58
Fees + prepaids$14,921.33
Your down payment is the seller’s equity. You take over the $451,694 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $63,127.27 is due at closing. Uses and sources reconcile at $514,821.33 each. Not a Closing Disclosure.