Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,368Cash toward the purchase price.
Closing costs + prepaids$12,240Not just lender fees.
Before credits & paid funds$63,608The complete starting cash picture.
Estimated remaining funds due at closing
$63,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,368.28
Your down payment$51,368.28
Closing costs + prepaids$12,240.02
Total buyer cash needed$63,608.31
Remaining funds due$63,608.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$673.75
Initial HOA (3 months)$258.00
Prepaid interest, first (2 days)$133.27
Fees + prepaids$12,240.02
Your down payment is the seller’s equity. You take over the $418,632 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $63,608.31 is due at closing. Uses and sources reconcile at $482,240.02 each. Not a Closing Disclosure.