Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,033Cash toward the purchase price.
Closing costs + prepaids$14,682Not just lender fees.
Before credits & paid funds$54,716The complete starting cash picture.
Estimated remaining funds due at closing
$54,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,033.34
Your down payment$40,033.34
Closing costs + prepaids$14,682.29
Total buyer cash needed$54,715.64
Remaining funds due$54,715.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$614.25
Prepaid interest, first (31 days)$2,643.04
Fees + prepaids$14,682.29
Your down payment is the seller’s equity. You take over the $454,967 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $54,715.64 is due at closing. Uses and sources reconcile at $509,682.29 each. Not a Closing Disclosure.