Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,351Cash toward the purchase price.
Closing costs + prepaids$16,003Not just lender fees.
Before credits & paid funds$60,354The complete starting cash picture.
Estimated remaining funds due at closing
$60,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,350.93
Your down payment$44,350.93
Closing costs + prepaids$16,003.36
Total buyer cash needed$60,354.29
Remaining funds due$60,354.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,988.88
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)$1,247.25
Initial HOA (3 months)$1,230.00
Prepaid interest, first (30 days)$2,062.23
Fees + prepaids$16,003.36
Your down payment is the seller’s equity. You take over the $454,537 balance, so the rest of the $498,888 price is paid at closing. A second mortgage can cover part of it. $60,354.29 is due at closing. Uses and sources reconcile at $514,891.36 each. Not a Closing Disclosure.