Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$49,394Cash toward the purchase price.
Closing costs + prepaids$13,434Not just lender fees.
Before credits & paid funds$62,828The complete starting cash picture.
Estimated remaining funds due at closing
$62,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,393.88
Your down payment$49,393.88
Closing costs + prepaids$13,433.76
Total buyer cash needed$62,827.64
Remaining funds due$62,827.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$1,543.50
Initial HOA (3 months)$402.00
Prepaid interest, first (2 days)$163.26
Fees + prepaids$13,433.76
Your down payment is the seller’s equity. You take over the $435,606 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $62,827.64 is due at closing. Uses and sources reconcile at $498,433.76 each. Not a Closing Disclosure.