Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,262Cash toward the purchase price.
Closing costs + prepaids$13,718Not just lender fees.
Before credits & paid funds$60,980The complete starting cash picture.
Estimated remaining funds due at closing
$60,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,261.85
Your down payment$47,261.85
Closing costs + prepaids$13,717.85
Total buyer cash needed$60,979.70
Remaining funds due$60,979.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,495.00
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)$1,171.25
Prepaid interest, first (25 days)$1,826.60
Fees + prepaids$13,717.85
Your down payment is the seller’s equity. You take over the $402,238 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $60,979.70 is due at closing. Uses and sources reconcile at $463,217.85 each. Not a Closing Disclosure.