Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,209Cash toward the purchase price.
Closing costs + prepaids$15,180Not just lender fees.
Before credits & paid funds$57,389The complete starting cash picture.
Estimated remaining funds due at closing
$57,389No 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$15,179.91
Total buyer cash needed$57,388.67
Remaining funds due$57,388.67
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 (31 days)$2,669.16
Fees + prepaids$15,179.91
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. $57,388.67 is due at closing. Uses and sources reconcile at $514,179.91 each. Not a Closing Disclosure.