Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,274Cash toward the purchase price.
Closing costs + prepaids$14,689Not just lender fees.
Before credits & paid funds$74,962The complete starting cash picture.
Estimated remaining funds due at closing
$74,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,273.64
Your down payment$60,273.64
Closing costs + prepaids$14,688.85
Total buyer cash needed$74,962.49
Remaining funds due$74,962.49
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)$1,247.50
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$1,781.35
Fees + prepaids$14,688.85
Your down payment is the seller’s equity. You take over the $438,726 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $74,962.49 is due at closing. Uses and sources reconcile at $513,688.85 each. Not a Closing Disclosure.