Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$47,031Cash toward the purchase price.
Closing costs + prepaids$11,694Not just lender fees.
Before credits & paid funds$58,725The complete starting cash picture.
Estimated remaining funds due at closing
$58,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,031.21
Your down payment$47,031.21
Closing costs + prepaids$11,693.64
Total buyer cash needed$58,724.85
Remaining funds due$58,724.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,058.00
Prepaid interest, first (4 days)$261.64
Fees + prepaids$11,693.64
Your down payment is the seller’s equity. You take over the $367,869 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $58,724.85 is due at closing. Uses and sources reconcile at $426,593.64 each. Not a Closing Disclosure.