Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,959Cash toward the purchase price.
Closing costs + prepaids$15,351Not just lender fees.
Before credits & paid funds$60,311The complete starting cash picture.
Estimated remaining funds due at closing
$60,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,959.38
Your down payment$44,959.38
Closing costs + prepaids$15,351.13
Total buyer cash needed$60,310.51
Remaining funds due$60,310.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,180.00
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)$853.00
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$2,768.13
Fees + prepaids$15,351.13
Your down payment is the seller’s equity. You take over the $473,041 balance, so the rest of the $518,000 price is paid at closing. A second mortgage can cover part of it. $60,310.51 is due at closing. Uses and sources reconcile at $533,351.13 each. Not a Closing Disclosure.