Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,189Cash toward the purchase price.
Closing costs + prepaids$14,930Not just lender fees.
Before credits & paid funds$64,119The complete starting cash picture.
Estimated remaining funds due at closing
$64,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,188.69
Your down payment$49,188.69
Closing costs + prepaids$14,930.25
Total buyer cash needed$64,118.95
Remaining funds due$64,118.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$334.75
Initial HOA (3 months)$200.01
Prepaid interest, first (27 days)$2,471.49
Fees + prepaids$14,930.25
Your down payment is the seller’s equity. You take over the $495,711 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $64,118.95 is due at closing. Uses and sources reconcile at $559,830.25 each. Not a Closing Disclosure.