Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,205Cash toward the purchase price.
Closing costs + prepaids$12,961Not just lender fees.
Before credits & paid funds$50,167The complete starting cash picture.
Estimated remaining funds due at closing
$50,167No 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$12,961.15
Total buyer cash needed$50,166.61
Remaining funds due$50,166.61
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 (12 days)$991.15
Fees + prepaids$12,961.15
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. $50,166.61 is due at closing. Uses and sources reconcile at $492,861.15 each. Not a Closing Disclosure.