Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,817Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$59,396The complete starting cash picture.
Estimated remaining funds due at closing
$59,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,817.16
Your down payment$47,817.16
Closing costs + prepaids$11,578.35
Total buyer cash needed$59,395.51
Remaining funds due$59,395.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$67.75
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$999.70
Fees + prepaids$11,578.35
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $409,990 price is paid at closing. A second mortgage can cover part of it. $59,395.51 is due at closing. Uses and sources reconcile at $421,568.35 each. Not a Closing Disclosure.