Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$58,757Cash toward the purchase price.
Closing costs + prepaids$13,105Not just lender fees.
Before credits & paid funds$71,862The complete starting cash picture.
Estimated remaining funds due at closing
$71,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,756.69
Your down payment$58,756.69
Closing costs + prepaids$13,105.33
Total buyer cash needed$71,862.02
Remaining funds due$71,862.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,657.78
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)$122.25
Initial HOA (3 months)$471.00
Prepaid interest, first (31 days)$1,379.30
Fees + prepaids$13,105.33
Your down payment is the seller’s equity. You take over the $407,021 balance, so the rest of the $465,778 price is paid at closing. A second mortgage can cover part of it. $71,862.02 is due at closing. Uses and sources reconcile at $478,883.33 each. Not a Closing Disclosure.