Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$48,105Cash toward the purchase price.
Closing costs + prepaids$12,969Not just lender fees.
Before credits & paid funds$61,074The complete starting cash picture.
Estimated remaining funds due at closing
$61,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,105.08
Your down payment$48,105.08
Closing costs + prepaids$12,968.91
Total buyer cash needed$61,073.99
Remaining funds due$61,073.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$586.75
Initial HOA (3 months)$174.99
Prepaid interest, first (12 days)$842.17
Fees + prepaids$12,968.91
Your down payment is the seller’s equity. You take over the $440,895 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $61,073.99 is due at closing. Uses and sources reconcile at $501,968.91 each. Not a Closing Disclosure.