Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$62,364Cash toward the purchase price.
Closing costs + prepaids$12,733Not just lender fees.
Before credits & paid funds$75,097The complete starting cash picture.
Estimated remaining funds due at closing
$75,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,364.48
Your down payment$62,364.48
Closing costs + prepaids$12,732.96
Total buyer cash needed$75,097.44
Remaining funds due$75,097.44
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)$1,014.00
Initial HOA (3 months)$174.00
Prepaid interest, first (2 days)$70.96
Fees + prepaids$12,732.96
Your down payment is the seller’s equity. You take over the $437,536 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $75,097.44 is due at closing. Uses and sources reconcile at $512,632.96 each. Not a Closing Disclosure.