Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,152Cash toward the purchase price.
Closing costs + prepaids$15,963Not just lender fees.
Before credits & paid funds$71,115The complete starting cash picture.
Estimated remaining funds due at closing
$71,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,152.13
Your down payment$55,152.13
Closing costs + prepaids$15,963.05
Total buyer cash needed$71,115.19
Remaining funds due$71,115.19
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)$1,948.50
Initial HOA (3 months)$309.99
Prepaid interest, first (27 days)$2,230.56
Fees + prepaids$15,963.05
Your down payment is the seller’s equity. You take over the $444,748 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $71,115.19 is due at closing. Uses and sources reconcile at $515,863.05 each. Not a Closing Disclosure.