Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,946Cash toward the purchase price.
Closing costs + prepaids$12,884Not just lender fees.
Before credits & paid funds$42,830The complete starting cash picture.
Estimated remaining funds due at closing
$42,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,945.74
Your down payment$29,945.74
Closing costs + prepaids$12,883.93
Total buyer cash needed$42,829.67
Remaining funds due$42,829.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,247.50
Prepaid interest, first (2 days)$171.43
Fees + prepaids$12,883.93
Your down payment is the seller’s equity. You take over the $469,054 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $42,829.67 is due at closing. Uses and sources reconcile at $511,883.93 each. Not a Closing Disclosure.