Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$41,552Cash toward the purchase price.
Closing costs + prepaids$14,283Not just lender fees.
Before credits & paid funds$55,835The complete starting cash picture.
Estimated remaining funds due at closing
$55,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,551.61
Your down payment$41,551.61
Closing costs + prepaids$14,283.16
Total buyer cash needed$55,834.77
Remaining funds due$55,834.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$742.00
Prepaid interest, first (25 days)$2,066.16
Fees + prepaids$14,283.16
Your down payment is the seller’s equity. You take over the $458,448 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $55,834.77 is due at closing. Uses and sources reconcile at $514,283.16 each. Not a Closing Disclosure.