Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,353Cash toward the purchase price.
Closing costs + prepaids$14,164Not just lender fees.
Before credits & paid funds$55,517The complete starting cash picture.
Estimated remaining funds due at closing
$55,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,353.30
Your down payment$41,353.30
Closing costs + prepaids$14,164.15
Total buyer cash needed$55,517.46
Remaining funds due$55,517.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$500.50
Initial HOA (3 months)$285.00
Prepaid interest, first (26 days)$2,113.65
Fees + prepaids$14,164.15
Your down payment is the seller’s equity. You take over the $437,647 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $55,517.46 is due at closing. Uses and sources reconcile at $493,164.15 each. Not a Closing Disclosure.