Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,510Cash toward the purchase price.
Closing costs + prepaids$16,003Not just lender fees.
Before credits & paid funds$62,512The complete starting cash picture.
Estimated remaining funds due at closing
$62,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,509.77
Your down payment$46,509.77
Closing costs + prepaids$16,002.68
Total buyer cash needed$62,512.45
Remaining funds due$62,512.45
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)$1,250.00
Initial HOA (3 months)$990.00
Prepaid interest, first (27 days)$2,287.78
Fees + prepaids$16,002.68
Your down payment is the seller’s equity. You take over the $453,480 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $62,512.45 is due at closing. Uses and sources reconcile at $515,992.68 each. Not a Closing Disclosure.