Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$46,663Cash toward the purchase price.
Closing costs + prepaids$13,848Not just lender fees.
Before credits & paid funds$60,511The complete starting cash picture.
Estimated remaining funds due at closing
$60,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,663.43
Your down payment$46,663.43
Closing costs + prepaids$13,847.50
Total buyer cash needed$60,510.93
Remaining funds due$60,510.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$685.00
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$2,256.50
Fees + prepaids$13,847.50
Your down payment is the seller’s equity. You take over the $401,337 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $60,510.93 is due at closing. Uses and sources reconcile at $461,847.50 each. Not a Closing Disclosure.