Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,689Cash toward the purchase price.
Closing costs + prepaids$13,721Not just lender fees.
Before credits & paid funds$66,409The complete starting cash picture.
Estimated remaining funds due at closing
$66,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,688.54
Your down payment$52,688.54
Closing costs + prepaids$13,720.54
Total buyer cash needed$66,409.08
Remaining funds due$66,409.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.99
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)$588.00
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$1,932.55
Fees + prepaids$13,720.54
Your down payment is the seller’s equity. You take over the $412,310 balance, so the rest of the $464,999 price is paid at closing. A second mortgage can cover part of it. $66,409.08 is due at closing. Uses and sources reconcile at $478,719.54 each. Not a Closing Disclosure.