Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,105Cash toward the purchase price.
Closing costs + prepaids$14,587Not just lender fees.
Before credits & paid funds$62,693The complete starting cash picture.
Estimated remaining funds due at closing
$62,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,105.08
Your down payment$48,105.08
Closing costs + prepaids$14,587.44
Total buyer cash needed$62,692.53
Remaining funds due$62,692.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,222.75
Initial HOA (3 months)$174.99
Prepaid interest, first (26 days)$1,824.70
Fees + prepaids$14,587.44
Your down payment is the seller’s equity. You take over the $440,895 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $62,692.53 is due at closing. Uses and sources reconcile at $503,587.44 each. Not a Closing Disclosure.