Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,603Cash toward the purchase price.
Closing costs + prepaids$16,294Not just lender fees.
Before credits & paid funds$44,897The complete starting cash picture.
Estimated remaining funds due at closing
$44,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,602.60
Your down payment$28,602.60
Closing costs + prepaids$16,294.47
Total buyer cash needed$44,897.07
Remaining funds due$44,897.07
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)$1,249.75
Initial HOA (3 months)$1,575.00
Prepaid interest, first (28 days)$1,995.72
Fees + prepaids$16,294.47
Your down payment is the seller’s equity. You take over the $471,297 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $44,897.07 is due at closing. Uses and sources reconcile at $516,194.47 each. Not a Closing Disclosure.