Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,209Cash toward the purchase price.
Closing costs + prepaids$14,836Not just lender fees.
Before credits & paid funds$57,044The complete starting cash picture.
Estimated remaining funds due at closing
$57,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,208.76
Your down payment$42,208.76
Closing costs + prepaids$14,835.50
Total buyer cash needed$57,044.26
Remaining funds due$57,044.26
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)$760.75
Initial HOA (3 months)$285.00
Prepaid interest, first (27 days)$2,324.75
Fees + prepaids$14,835.50
Your down payment is the seller’s equity. You take over the $456,791 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $57,044.26 is due at closing. Uses and sources reconcile at $513,835.50 each. Not a Closing Disclosure.