Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$54,376Cash toward the purchase price.
Closing costs + prepaids$16,286Not just lender fees.
Before credits & paid funds$70,661The complete starting cash picture.
Estimated remaining funds due at closing
$70,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,375.71
Your down payment$54,375.71
Closing costs + prepaids$16,285.54
Total buyer cash needed$70,661.25
Remaining funds due$70,661.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$2,294.00
Initial HOA (3 months)$240.00
Prepaid interest, first (29 days)$2,327.54
Fees + prepaids$16,285.54
Your down payment is the seller’s equity. You take over the $440,524 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $70,661.25 is due at closing. Uses and sources reconcile at $511,185.54 each. Not a Closing Disclosure.