Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,383Cash toward the purchase price.
Closing costs + prepaids$14,741Not just lender fees.
Before credits & paid funds$65,124The complete starting cash picture.
Estimated remaining funds due at closing
$65,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,383.31
Your down payment$50,383.31
Closing costs + prepaids$14,740.65
Total buyer cash needed$65,123.95
Remaining funds due$65,123.95
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)$762.25
Initial HOA (3 months)$219.99
Prepaid interest, first (27 days)$2,284.41
Fees + prepaids$14,740.65
Your down payment is the seller’s equity. You take over the $449,517 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $65,123.95 is due at closing. Uses and sources reconcile at $514,640.65 each. Not a Closing Disclosure.