Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$50,383Cash toward the purchase price.
Closing costs + prepaids$13,757Not just lender fees.
Before credits & paid funds$64,141The complete starting cash picture.
Estimated remaining funds due at closing
$64,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,383.31
Your down payment$50,383.31
Closing costs + prepaids$13,757.32
Total buyer cash needed$64,140.63
Remaining funds due$64,140.63
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)$625.00
Initial HOA (3 months)$219.99
Prepaid interest, first (17 days)$1,438.33
Fees + prepaids$13,757.32
Your down payment is the seller’s equity. You take over the $449,517 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $64,140.63 is due at closing. Uses and sources reconcile at $513,657.32 each. Not a Closing Disclosure.