Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$50,445Cash toward the purchase price.
Closing costs + prepaids$14,635Not just lender fees.
Before credits & paid funds$65,080The complete starting cash picture.
Estimated remaining funds due at closing
$65,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,445.42
Your down payment$50,445.42
Closing costs + prepaids$14,634.93
Total buyer cash needed$65,080.35
Remaining funds due$65,080.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,870.00
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)$1,491.75
Initial HOA (3 months)$106.26
Prepaid interest, first (22 days)$1,691.92
Fees + prepaids$14,634.93
Your down payment is the seller’s equity. You take over the $436,555 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $65,080.35 is due at closing. Uses and sources reconcile at $501,634.93 each. Not a Closing Disclosure.