Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$46,569Cash toward the purchase price.
Closing costs + prepaids$13,390Not just lender fees.
Before credits & paid funds$59,959The complete starting cash picture.
Estimated remaining funds due at closing
$59,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,568.66
Your down payment$46,568.66
Closing costs + prepaids$13,390.16
Total buyer cash needed$59,958.82
Remaining funds due$59,958.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$612.50
Initial HOA (3 months)$180.00
Prepaid interest, first (16 days)$1,222.66
Fees + prepaids$13,390.16
Your down payment is the seller’s equity. You take over the $443,431 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $59,958.82 is due at closing. Uses and sources reconcile at $503,390.16 each. Not a Closing Disclosure.