Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$35,389Cash toward the purchase price.
Closing costs + prepaids$13,422Not just lender fees.
Before credits & paid funds$48,811The complete starting cash picture.
Estimated remaining funds due at closing
$48,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,388.73
Your down payment$35,388.73
Closing costs + prepaids$13,422.33
Total buyer cash needed$48,811.06
Remaining funds due$48,811.06
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)$475.00
Prepaid interest, first (17 days)$1,473.33
Fees + prepaids$13,422.33
Your down payment is the seller’s equity. You take over the $464,511 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $48,811.06 is due at closing. Uses and sources reconcile at $513,322.33 each. Not a Closing Disclosure.