Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,235Cash toward the purchase price.
Closing costs + prepaids$14,060Not just lender fees.
Before credits & paid funds$58,295The complete starting cash picture.
Estimated remaining funds due at closing
$58,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,234.88
Your down payment$44,234.88
Closing costs + prepaids$14,060.32
Total buyer cash needed$58,295.21
Remaining funds due$58,295.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$626.75
Prepaid interest, first (25 days)$1,968.57
Fees + prepaids$14,060.32
Your down payment is the seller’s equity. You take over the $454,765 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $58,295.21 is due at closing. Uses and sources reconcile at $513,060.32 each. Not a Closing Disclosure.