Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,104Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$44,890The complete starting cash picture.
Estimated remaining funds due at closing
$44,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,103.93
Your down payment$32,103.93
Closing costs + prepaids$12,785.98
Total buyer cash needed$44,889.91
Remaining funds due$44,889.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$973.00
Initial HOA (3 months)$198.00
Prepaid interest, first (2 days)$140.98
Fees + prepaids$12,785.98
Your down payment is the seller’s equity. You take over the $467,796 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $44,889.91 is due at closing. Uses and sources reconcile at $512,685.98 each. Not a Closing Disclosure.