Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,780Cash toward the purchase price.
Closing costs + prepaids$14,155Not just lender fees.
Before credits & paid funds$58,935The complete starting cash picture.
Estimated remaining funds due at closing
$58,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,780.25
Your down payment$44,780.25
Closing costs + prepaids$14,155.19
Total buyer cash needed$58,935.44
Remaining funds due$58,935.44
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)$534.50
Initial HOA (3 months)$411.00
Prepaid interest, first (24 days)$1,735.69
Fees + prepaids$14,155.19
Your down payment is the seller’s equity. You take over the $455,120 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $58,935.44 is due at closing. Uses and sources reconcile at $514,055.19 each. Not a Closing Disclosure.