Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$50,332Cash toward the purchase price.
Closing costs + prepaids$14,035Not just lender fees.
Before credits & paid funds$64,367The complete starting cash picture.
Estimated remaining funds due at closing
$64,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,332.03
Your down payment$50,332.03
Closing costs + prepaids$14,035.45
Total buyer cash needed$64,367.48
Remaining funds due$64,367.48
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)$371.50
Prepaid interest, first (28 days)$2,189.95
Fees + prepaids$14,035.45
Your down payment is the seller’s equity. You take over the $449,568 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $64,367.48 is due at closing. Uses and sources reconcile at $513,935.45 each. Not a Closing Disclosure.