Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,919Cash toward the purchase price.
Closing costs + prepaids$14,108Not just lender fees.
Before credits & paid funds$59,027The complete starting cash picture.
Estimated remaining funds due at closing
$59,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,918.91
Your down payment$44,918.91
Closing costs + prepaids$14,108.19
Total buyer cash needed$59,027.10
Remaining funds due$59,027.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$130.00
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$2,353.18
Fees + prepaids$14,108.19
Your down payment is the seller’s equity. You take over the $465,081 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $59,027.10 is due at closing. Uses and sources reconcile at $524,108.19 each. Not a Closing Disclosure.