Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,301Cash toward the purchase price.
Closing costs + prepaids$16,809Not just lender fees.
Before credits & paid funds$55,110The complete starting cash picture.
Estimated remaining funds due at closing
$55,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,300.96
Your down payment$38,300.96
Closing costs + prepaids$16,809.39
Total buyer cash needed$55,110.34
Remaining funds due$55,110.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$3,145.25
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$2,115.14
Fees + prepaids$16,809.39
Your down payment is the seller’s equity. You take over the $461,599 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $55,110.34 is due at closing. Uses and sources reconcile at $516,709.39 each. Not a Closing Disclosure.