Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$39,025Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$52,141The complete starting cash picture.
Estimated remaining funds due at closing
$52,141No 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$13,115.34
Total buyer cash needed$52,140.55
Remaining funds due$52,140.55
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 (10 days)$756.34
Fees + prepaids$13,115.34
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. $52,140.55 is due at closing. Uses and sources reconcile at $513,015.34 each. Not a Closing Disclosure.