Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,541Cash toward the purchase price.
Closing costs + prepaids$14,862Not just lender fees.
Before credits & paid funds$59,403The complete starting cash picture.
Estimated remaining funds due at closing
$59,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,541.27
Your down payment$44,541.27
Closing costs + prepaids$14,862.14
Total buyer cash needed$59,403.41
Remaining funds due$59,403.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,250.75
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$2,026.39
Fees + prepaids$14,862.14
Your down payment is the seller’s equity. You take over the $454,459 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $59,403.41 is due at closing. Uses and sources reconcile at $513,862.14 each. Not a Closing Disclosure.