Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$39,025Cash toward the purchase price.
Closing costs + prepaids$13,040Not just lender fees.
Before credits & paid funds$52,065The complete starting cash picture.
Estimated remaining funds due at closing
$52,065No 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$13,039.71
Total buyer cash needed$52,064.92
Remaining funds due$52,064.92
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)$600.00
Initial HOA (3 months)$285.00
Prepaid interest, first (9 days)$680.71
Fees + prepaids$13,039.71
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. $52,064.92 is due at closing. Uses and sources reconcile at $512,939.71 each. Not a Closing Disclosure.