Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$49,789Cash toward the purchase price.
Closing costs + prepaids$13,687Not just lender fees.
Before credits & paid funds$63,476The complete starting cash picture.
Estimated remaining funds due at closing
$63,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,788.99
Your down payment$49,788.99
Closing costs + prepaids$13,686.62
Total buyer cash needed$63,475.62
Remaining funds due$63,475.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$348.25
Prepaid interest, first (29 days)$2,114.37
Fees + prepaids$13,686.62
Your down payment is the seller’s equity. You take over the $425,111 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $63,475.62 is due at closing. Uses and sources reconcile at $488,586.62 each. Not a Closing Disclosure.