Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$39,741Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$53,863The complete starting cash picture.
Estimated remaining funds due at closing
$53,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,741.21
Your down payment$39,741.21
Closing costs + prepaids$14,121.65
Total buyer cash needed$53,862.86
Remaining funds due$53,862.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$568.50
Initial HOA (3 months)$396.00
Prepaid interest, first (20 days)$1,682.15
Fees + prepaids$14,121.65
Your down payment is the seller’s equity. You take over the $460,259 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $53,862.86 is due at closing. Uses and sources reconcile at $514,121.65 each. Not a Closing Disclosure.