Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,183Cash toward the purchase price.
Closing costs + prepaids$12,128Not just lender fees.
Before credits & paid funds$65,311The complete starting cash picture.
Estimated remaining funds due at closing
$65,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,183.04
Your down payment$53,183.04
Closing costs + prepaids$12,128.09
Total buyer cash needed$65,311.12
Remaining funds due$65,311.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$347.50
Initial HOA (3 months)$405.00
Prepaid interest, first (2 days)$151.59
Fees + prepaids$12,128.09
Your down payment is the seller’s equity. You take over the $421,717 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $65,311.12 is due at closing. Uses and sources reconcile at $487,028.09 each. Not a Closing Disclosure.