Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$37,205Cash toward the purchase price.
Closing costs + prepaids$12,466Not just lender fees.
Before credits & paid funds$49,671The complete starting cash picture.
Estimated remaining funds due at closing
$49,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,205.46
Your down payment$37,205.46
Closing costs + prepaids$12,465.58
Total buyer cash needed$49,671.03
Remaining funds due$49,671.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$576.00
Initial HOA (3 months)$120.00
Prepaid interest, first (6 days)$495.58
Fees + prepaids$12,465.58
Your down payment is the seller’s equity. You take over the $442,695 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $49,671.03 is due at closing. Uses and sources reconcile at $492,365.58 each. Not a Closing Disclosure.