Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,302Cash toward the purchase price.
Closing costs + prepaids$14,171Not just lender fees.
Before credits & paid funds$72,473The complete starting cash picture.
Estimated remaining funds due at closing
$72,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,301.54
Your down payment$58,301.54
Closing costs + prepaids$14,171.48
Total buyer cash needed$72,473.01
Remaining funds due$72,473.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,892.00
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)$386.50
Initial HOA (3 months)$97.50
Prepaid interest, first (28 days)$2,320.48
Fees + prepaids$14,171.48
Your down payment is the seller’s equity. You take over the $430,898 balance, so the rest of the $489,200 price is paid at closing. A second mortgage can cover part of it. $72,473.01 is due at closing. Uses and sources reconcile at $503,371.48 each. Not a Closing Disclosure.