Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,628Cash toward the purchase price.
Closing costs + prepaids$14,454Not just lender fees.
Before credits & paid funds$54,082The complete starting cash picture.
Estimated remaining funds due at closing
$54,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,628.35
Your down payment$39,628.35
Closing costs + prepaids$14,454.07
Total buyer cash needed$54,082.42
Remaining funds due$54,082.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$699.75
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$2,199.32
Fees + prepaids$14,454.07
Your down payment is the seller’s equity. You take over the $459,372 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $54,082.42 is due at closing. Uses and sources reconcile at $513,454.07 each. Not a Closing Disclosure.