Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$39,025Cash toward the purchase price.
Closing costs + prepaids$14,141Not just lender fees.
Before credits & paid funds$53,167The complete starting cash picture.
Estimated remaining funds due at closing
$53,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,025.22
Your down payment$39,025.22
Closing costs + prepaids$14,141.31
Total buyer cash needed$53,166.53
Remaining funds due$53,166.53
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)$794.00
Initial HOA (3 months)$285.00
Prepaid interest, first (21 days)$1,588.31
Fees + prepaids$14,141.31
Your down payment is the seller’s equity. You take over the $460,875 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $53,166.53 is due at closing. Uses and sources reconcile at $514,041.31 each. Not a Closing Disclosure.