Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,780Cash toward the purchase price.
Closing costs + prepaids$14,300Not just lender fees.
Before credits & paid funds$59,080The complete starting cash picture.
Estimated remaining funds due at closing
$59,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,780.25
Your down payment$44,780.25
Closing costs + prepaids$14,299.83
Total buyer cash needed$59,080.08
Remaining funds due$59,080.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$534.50
Initial HOA (3 months)$411.00
Prepaid interest, first (26 days)$1,880.33
Fees + prepaids$14,299.83
Your down payment is the seller’s equity. You take over the $455,120 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $59,080.08 is due at closing. Uses and sources reconcile at $514,199.83 each. Not a Closing Disclosure.