Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,701Cash toward the purchase price.
Closing costs + prepaids$15,565Not just lender fees.
Before credits & paid funds$59,265The complete starting cash picture.
Estimated remaining funds due at closing
$59,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,700.87
Your down payment$43,700.87
Closing costs + prepaids$15,564.53
Total buyer cash needed$59,265.40
Remaining funds due$59,265.40
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)$2,019.50
Prepaid interest, first (25 days)$2,080.03
Fees + prepaids$15,564.53
Your down payment is the seller’s equity. You take over the $455,299 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $59,265.40 is due at closing. Uses and sources reconcile at $514,564.53 each. Not a Closing Disclosure.