Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$39,583Cash toward the purchase price.
Closing costs + prepaids$14,493Not just lender fees.
Before credits & paid funds$54,076The complete starting cash picture.
Estimated remaining funds due at closing
$54,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,582.94
Your down payment$39,582.94
Closing costs + prepaids$14,493.09
Total buyer cash needed$54,076.03
Remaining funds due$54,076.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$794.50
Initial HOA (3 months)$216.00
Prepaid interest, first (27 days)$2,108.59
Fees + prepaids$14,493.09
Your down payment is the seller’s equity. You take over the $450,317 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $54,076.03 is due at closing. Uses and sources reconcile at $504,393.09 each. Not a Closing Disclosure.