Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,484Cash toward the purchase price.
Closing costs + prepaids$14,078Not just lender fees.
Before credits & paid funds$48,562The complete starting cash picture.
Estimated remaining funds due at closing
$48,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,483.61
Your down payment$34,483.61
Closing costs + prepaids$14,078.48
Total buyer cash needed$48,562.10
Remaining funds due$48,562.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$361.50
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$2,142.09
Fees + prepaids$14,078.48
Your down payment is the seller’s equity. You take over the $465,506 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $48,562.10 is due at closing. Uses and sources reconcile at $514,068.48 each. Not a Closing Disclosure.