Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$48,254Cash toward the purchase price.
Closing costs + prepaids$14,203Not just lender fees.
Before credits & paid funds$62,457The complete starting cash picture.
Estimated remaining funds due at closing
$62,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,253.53
Your down payment$48,253.53
Closing costs + prepaids$14,203.42
Total buyer cash needed$62,456.94
Remaining funds due$62,456.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,175.00
Initial HOA (3 months)$462.00
Prepaid interest, first (18 days)$1,391.42
Fees + prepaids$14,203.42
Your down payment is the seller’s equity. You take over the $421,746 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $62,456.94 is due at closing. Uses and sources reconcile at $484,203.42 each. Not a Closing Disclosure.