Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$39,589Cash toward the purchase price.
Closing costs + prepaids$13,657Not just lender fees.
Before credits & paid funds$53,246The complete starting cash picture.
Estimated remaining funds due at closing
$53,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,589.16
Your down payment$39,589.16
Closing costs + prepaids$13,656.58
Total buyer cash needed$53,245.74
Remaining funds due$53,245.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$357.00
Initial HOA (3 months)$312.00
Prepaid interest, first (27 days)$1,912.58
Fees + prepaids$13,656.58
Your down payment is the seller’s equity. You take over the $420,411 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $53,245.74 is due at closing. Uses and sources reconcile at $473,656.58 each. Not a Closing Disclosure.