Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,910Cash toward the purchase price.
Closing costs + prepaids$14,712Not just lender fees.
Before credits & paid funds$60,622The complete starting cash picture.
Estimated remaining funds due at closing
$60,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,909.79
Your down payment$45,909.79
Closing costs + prepaids$14,711.93
Total buyer cash needed$60,621.72
Remaining funds due$60,621.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.99
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)$652.25
Initial HOA (3 months)$543.00
Prepaid interest, first (27 days)$2,291.69
Fees + prepaids$14,711.93
Your down payment is the seller’s equity. You take over the $429,089 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $60,621.72 is due at closing. Uses and sources reconcile at $489,710.93 each. Not a Closing Disclosure.