Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,150Cash toward the purchase price.
Closing costs + prepaids$15,643Not just lender fees.
Before credits & paid funds$61,792The complete starting cash picture.
Estimated remaining funds due at closing
$61,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,149.64
Your down payment$46,149.64
Closing costs + prepaids$15,642.63
Total buyer cash needed$61,792.27
Remaining funds due$61,792.27
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)$1,247.50
Initial HOA (3 months)$300.00
Prepaid interest, first (29 days)$2,630.13
Fees + prepaids$15,642.63
Your down payment is the seller’s equity. You take over the $452,850 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $61,792.27 is due at closing. Uses and sources reconcile at $514,642.63 each. Not a Closing Disclosure.