Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$36,255Cash toward the purchase price.
Closing costs + prepaids$14,486Not just lender fees.
Before credits & paid funds$50,742The complete starting cash picture.
Estimated remaining funds due at closing
$50,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,255.37
Your down payment$36,255.37
Closing costs + prepaids$14,486.31
Total buyer cash needed$50,741.69
Remaining funds due$50,741.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$883.75
Initial HOA (3 months)$396.00
Prepaid interest, first (27 days)$1,781.56
Fees + prepaids$14,486.31
Your down payment is the seller’s equity. You take over the $458,745 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $50,741.69 is due at closing. Uses and sources reconcile at $509,486.31 each. Not a Closing Disclosure.