Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$51,288Cash toward the purchase price.
Closing costs + prepaids$13,432Not just lender fees.
Before credits & paid funds$64,720The complete starting cash picture.
Estimated remaining funds due at closing
$64,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,287.79
Your down payment$51,287.79
Closing costs + prepaids$13,431.76
Total buyer cash needed$64,719.55
Remaining funds due$64,719.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$600.00
Initial HOA (3 months)$195.00
Prepaid interest, first (17 days)$1,361.77
Fees + prepaids$13,431.76
Your down payment is the seller’s equity. You take over the $428,711 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $64,719.55 is due at closing. Uses and sources reconcile at $493,430.76 each. Not a Closing Disclosure.