Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,148Cash toward the purchase price.
Closing costs + prepaids$12,982Not just lender fees.
Before credits & paid funds$60,129The complete starting cash picture.
Estimated remaining funds due at closing
$60,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,147.69
Your down payment$47,147.69
Closing costs + prepaids$12,981.74
Total buyer cash needed$60,129.43
Remaining funds due$60,129.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,541.69
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)$114.75
Initial HOA (3 months)$471.00
Prepaid interest, first (31 days)$1,379.30
Fees + prepaids$12,981.74
Your down payment is the seller’s equity. You take over the $407,021 balance, so the rest of the $454,169 price is paid at closing. A second mortgage can cover part of it. $60,129.43 is due at closing. Uses and sources reconcile at $467,150.74 each. Not a Closing Disclosure.