Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$31,245Cash toward the purchase price.
Closing costs + prepaids$13,019Not just lender fees.
Before credits & paid funds$44,264The complete starting cash picture.
Estimated remaining funds due at closing
$44,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,245.37
Your down payment$31,245.37
Closing costs + prepaids$13,018.74
Total buyer cash needed$44,264.11
Remaining funds due$44,264.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.90
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)$588.00
Initial HOA (3 months)$396.00
Prepaid interest, first (10 days)$659.84
Fees + prepaids$13,018.74
Your down payment is the seller’s equity. You take over the $458,745 balance, so the rest of the $489,990 price is paid at closing. A second mortgage can cover part of it. $44,264.11 is due at closing. Uses and sources reconcile at $503,008.74 each. Not a Closing Disclosure.