Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,351Cash toward the purchase price.
Closing costs + prepaids$15,453Not just lender fees.
Before credits & paid funds$59,804The complete starting cash picture.
Estimated remaining funds due at closing
$59,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,350.93
Your down payment$44,350.93
Closing costs + prepaids$15,453.43
Total buyer cash needed$59,804.36
Remaining funds due$59,804.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,988.88
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)$1,247.25
Initial HOA (3 months)$1,230.00
Prepaid interest, first (22 days)$1,512.30
Fees + prepaids$15,453.43
Your down payment is the seller’s equity. You take over the $454,537 balance, so the rest of the $498,888 price is paid at closing. A second mortgage can cover part of it. $59,804.36 is due at closing. Uses and sources reconcile at $514,341.43 each. Not a Closing Disclosure.