Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$58,553Cash toward the purchase price.
Closing costs + prepaids$16,124Not just lender fees.
Before credits & paid funds$74,677The complete starting cash picture.
Estimated remaining funds due at closing
$74,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,552.92
Your down payment$58,552.92
Closing costs + prepaids$16,123.69
Total buyer cash needed$74,676.62
Remaining funds due$74,676.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.99
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)$1,757.25
Initial HOA (3 months)$822.00
Prepaid interest, first (25 days)$2,119.45
Fees + prepaids$16,123.69
Your down payment is the seller’s equity. You take over the $436,446 balance, so the rest of the $494,999 price is paid at closing. A second mortgage can cover part of it. $74,676.62 is due at closing. Uses and sources reconcile at $511,122.69 each. Not a Closing Disclosure.