Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$42,978Cash toward the purchase price.
Closing costs + prepaids$14,127Not just lender fees.
Before credits & paid funds$57,105The complete starting cash picture.
Estimated remaining funds due at closing
$57,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,977.68
Your down payment$42,977.68
Closing costs + prepaids$14,126.83
Total buyer cash needed$57,104.51
Remaining funds due$57,104.51
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)$342.25
Prepaid interest, first (30 days)$2,459.58
Fees + prepaids$14,126.83
Your down payment is the seller’s equity. You take over the $442,022 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $57,104.51 is due at closing. Uses and sources reconcile at $499,126.83 each. Not a Closing Disclosure.