Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$61,112Cash toward the purchase price.
Closing costs + prepaids$15,746Not just lender fees.
Before credits & paid funds$76,859The complete starting cash picture.
Estimated remaining funds due at closing
$76,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,112.27
Your down payment$61,112.27
Closing costs + prepaids$15,746.40
Total buyer cash needed$76,858.67
Remaining funds due$76,858.67
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)$1,750.75
Initial HOA (3 months)$465.00
Prepaid interest, first (28 days)$2,056.65
Fees + prepaids$15,746.40
Your down payment is the seller’s equity. You take over the $438,788 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $76,858.67 is due at closing. Uses and sources reconcile at $515,646.40 each. Not a Closing Disclosure.