Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$46,150Cash toward the purchase price.
Closing costs + prepaids$14,645Not just lender fees.
Before credits & paid funds$60,795The complete starting cash picture.
Estimated remaining funds due at closing
$60,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,149.64
Your down payment$46,149.64
Closing costs + prepaids$14,644.99
Total buyer cash needed$60,794.63
Remaining funds due$60,794.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,247.50
Initial HOA (3 months)$300.00
Prepaid interest, first (18 days)$1,632.49
Fees + prepaids$14,644.99
Your down payment is the seller’s equity. You take over the $452,850 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $60,794.63 is due at closing. Uses and sources reconcile at $513,644.99 each. Not a Closing Disclosure.