Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$50,431Cash toward the purchase price.
Closing costs + prepaids$15,049Not just lender fees.
Before credits & paid funds$65,480The complete starting cash picture.
Estimated remaining funds due at closing
$65,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,430.99
Your down payment$50,430.99
Closing costs + prepaids$15,048.92
Total buyer cash needed$65,479.91
Remaining funds due$65,479.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$1,152.75
Initial HOA (3 months)$96.00
Prepaid interest, first (31 days)$2,325.27
Fees + prepaids$15,048.92
Your down payment is the seller’s equity. You take over the $449,559 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $65,479.91 is due at closing. Uses and sources reconcile at $515,038.92 each. Not a Closing Disclosure.