Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,474Cash toward the purchase price.
Closing costs + prepaids$14,553Not just lender fees.
Before credits & paid funds$54,028The complete starting cash picture.
Estimated remaining funds due at closing
$54,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,474.38
Your down payment$39,474.38
Closing costs + prepaids$14,553.39
Total buyer cash needed$54,027.76
Remaining funds due$54,027.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$656.75
Initial HOA (3 months)$249.99
Prepaid interest, first (26 days)$2,171.66
Fees + prepaids$14,553.39
Your down payment is the seller’s equity. You take over the $460,525 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $54,027.76 is due at closing. Uses and sources reconcile at $514,552.39 each. Not a Closing Disclosure.