Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,281Cash toward the purchase price.
Closing costs + prepaids$14,771Not just lender fees.
Before credits & paid funds$44,053The complete starting cash picture.
Estimated remaining funds due at closing
$44,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,281.48
Your down payment$29,281.48
Closing costs + prepaids$14,771.47
Total buyer cash needed$44,052.95
Remaining funds due$44,052.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,789.00
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)$846.50
Initial HOA (3 months)$396.00
Prepaid interest, first (27 days)$2,264.97
Fees + prepaids$14,771.47
Your down payment is the seller’s equity. You take over the $449,619 balance, so the rest of the $478,900 price is paid at closing. A second mortgage can cover part of it. $44,052.95 is due at closing. Uses and sources reconcile at $493,671.47 each. Not a Closing Disclosure.