Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,636Cash toward the purchase price.
Closing costs + prepaids$14,848Not just lender fees.
Before credits & paid funds$45,485The complete starting cash picture.
Estimated remaining funds due at closing
$45,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,636.47
Your down payment$30,636.47
Closing costs + prepaids$14,848.09
Total buyer cash needed$45,484.56
Remaining funds due$45,484.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,272.75
Initial HOA (3 months)$177.00
Prepaid interest, first (23 days)$2,023.34
Fees + prepaids$14,848.09
Your down payment is the seller’s equity. You take over the $459,364 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $45,484.56 is due at closing. Uses and sources reconcile at $504,848.09 each. Not a Closing Disclosure.