Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$40,615Cash toward the purchase price.
Closing costs + prepaids$15,842Not just lender fees.
Before credits & paid funds$56,458The complete starting cash picture.
Estimated remaining funds due at closing
$56,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,615.27
Your down payment$40,615.27
Closing costs + prepaids$15,842.48
Total buyer cash needed$56,457.75
Remaining funds due$56,457.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$2,054.25
Initial HOA (3 months)$282.00
Prepaid interest, first (27 days)$2,182.23
Fees + prepaids$15,842.48
Your down payment is the seller’s equity. You take over the $444,285 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $56,457.75 is due at closing. Uses and sources reconcile at $500,742.48 each. Not a Closing Disclosure.