Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,401Cash toward the purchase price.
Closing costs + prepaids$15,573Not just lender fees.
Before credits & paid funds$56,974The complete starting cash picture.
Estimated remaining funds due at closing
$56,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,400.77
Your down payment$41,400.77
Closing costs + prepaids$15,573.21
Total buyer cash needed$56,973.98
Remaining funds due$56,973.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.90
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)$1,225.00
Initial HOA (3 months)$810.00
Prepaid interest, first (26 days)$2,163.31
Fees + prepaids$15,573.21
Your down payment is the seller’s equity. You take over the $448,589 balance, so the rest of the $489,990 price is paid at closing. A second mortgage can cover part of it. $56,973.98 is due at closing. Uses and sources reconcile at $505,563.21 each. Not a Closing Disclosure.