Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$50,431Cash toward the purchase price.
Closing costs + prepaids$14,449Not just lender fees.
Before credits & paid funds$64,880The complete starting cash picture.
Estimated remaining funds due at closing
$64,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,430.99
Your down payment$50,430.99
Closing costs + prepaids$14,448.85
Total buyer cash needed$64,879.84
Remaining funds due$64,879.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$1,152.75
Initial HOA (3 months)$96.00
Prepaid interest, first (23 days)$1,725.20
Fees + prepaids$14,448.85
Your down payment is the seller’s equity. You take over the $449,559 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $64,879.84 is due at closing. Uses and sources reconcile at $514,438.85 each. Not a Closing Disclosure.