Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$49,193Cash toward the purchase price.
Closing costs + prepaids$15,211Not just lender fees.
Before credits & paid funds$64,405The complete starting cash picture.
Estimated remaining funds due at closing
$64,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,193.36
Your down payment$49,193.36
Closing costs + prepaids$15,211.15
Total buyer cash needed$64,404.51
Remaining funds due$64,404.51
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)$1,091.00
Initial HOA (3 months)$219.00
Prepaid interest, first (31 days)$2,576.15
Fees + prepaids$15,211.15
Your down payment is the seller’s equity. You take over the $435,807 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $64,404.51 is due at closing. Uses and sources reconcile at $500,211.15 each. Not a Closing Disclosure.