Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$39,359Cash toward the purchase price.
Closing costs + prepaids$13,745Not just lender fees.
Before credits & paid funds$53,104The complete starting cash picture.
Estimated remaining funds due at closing
$53,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,359.21
Your down payment$39,359.21
Closing costs + prepaids$13,745.23
Total buyer cash needed$53,104.44
Remaining funds due$53,104.44
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)$263.25
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$1,937.98
Fees + prepaids$13,745.23
Your down payment is the seller’s equity. You take over the $455,541 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $53,104.44 is due at closing. Uses and sources reconcile at $508,645.23 each. Not a Closing Disclosure.