Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,589Cash toward the purchase price.
Closing costs + prepaids$13,940Not just lender fees.
Before credits & paid funds$53,529The complete starting cash picture.
Estimated remaining funds due at closing
$53,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,589.16
Your down payment$39,589.16
Closing costs + prepaids$13,939.93
Total buyer cash needed$53,529.08
Remaining funds due$53,529.08
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)$357.00
Initial HOA (3 months)$312.00
Prepaid interest, first (31 days)$2,195.93
Fees + prepaids$13,939.93
Your down payment is the seller’s equity. You take over the $420,411 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $53,529.08 is due at closing. Uses and sources reconcile at $473,939.93 each. Not a Closing Disclosure.