Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$51,707Cash toward the purchase price.
Closing costs + prepaids$14,315Not just lender fees.
Before credits & paid funds$66,021The complete starting cash picture.
Estimated remaining funds due at closing
$66,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,706.70
Your down payment$51,706.70
Closing costs + prepaids$14,314.56
Total buyer cash needed$66,021.26
Remaining funds due$66,021.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,600.00
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)$1,855.00
Initial HOA (3 months)$110.01
Prepaid interest, first (18 days)$1,274.55
Fees + prepaids$14,314.56
Your down payment is the seller’s equity. You take over the $408,293 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $66,021.26 is due at closing. Uses and sources reconcile at $474,314.56 each. Not a Closing Disclosure.