Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,382Cash toward the purchase price.
Closing costs + prepaids$14,917Not just lender fees.
Before credits & paid funds$60,299The complete starting cash picture.
Estimated remaining funds due at closing
$60,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,382.25
Your down payment$45,382.25
Closing costs + prepaids$14,917.14
Total buyer cash needed$60,299.39
Remaining funds due$60,299.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,079.00
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)$406.00
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$2,510.14
Fees + prepaids$14,917.14
Your down payment is the seller’s equity. You take over the $462,518 balance, so the rest of the $507,900 price is paid at closing. A second mortgage can cover part of it. $60,299.39 is due at closing. Uses and sources reconcile at $522,817.14 each. Not a Closing Disclosure.