Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$52,168Cash toward the purchase price.
Closing costs + prepaids$12,628Not just lender fees.
Before credits & paid funds$64,796The complete starting cash picture.
Estimated remaining funds due at closing
$64,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,168.04
Your down payment$52,168.04
Closing costs + prepaids$12,627.70
Total buyer cash needed$64,795.74
Remaining funds due$64,795.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$644.70
Fees + prepaids$12,627.70
Your down payment is the seller’s equity. You take over the $412,832 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $64,795.74 is due at closing. Uses and sources reconcile at $477,627.70 each. Not a Closing Disclosure.