Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$58,302Cash toward the purchase price.
Closing costs + prepaids$13,343Not just lender fees.
Before credits & paid funds$71,644The complete starting cash picture.
Estimated remaining funds due at closing
$71,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,301.54
Your down payment$58,301.54
Closing costs + prepaids$13,342.74
Total buyer cash needed$71,644.27
Remaining funds due$71,644.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,892.00
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)$386.50
Initial HOA (3 months)$97.50
Prepaid interest, first (18 days)$1,491.74
Fees + prepaids$13,342.74
Your down payment is the seller’s equity. You take over the $430,898 balance, so the rest of the $489,200 price is paid at closing. A second mortgage can cover part of it. $71,644.27 is due at closing. Uses and sources reconcile at $502,542.74 each. Not a Closing Disclosure.