Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$52,689Cash toward the purchase price.
Closing costs + prepaids$12,955Not just lender fees.
Before credits & paid funds$65,643The complete starting cash picture.
Estimated remaining funds due at closing
$65,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,688.54
Your down payment$52,688.54
Closing costs + prepaids$12,954.57
Total buyer cash needed$65,643.12
Remaining funds due$65,643.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.99
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)$581.25
Initial HOA (3 months)$75.00
Prepaid interest, first (17 days)$1,173.33
Fees + prepaids$12,954.57
Your down payment is the seller’s equity. You take over the $412,310 balance, so the rest of the $464,999 price is paid at closing. A second mortgage can cover part of it. $65,643.12 is due at closing. Uses and sources reconcile at $477,953.57 each. Not a Closing Disclosure.