Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,160Cash toward the purchase price.
Closing costs + prepaids$14,990Not just lender fees.
Before credits & paid funds$54,150The complete starting cash picture.
Estimated remaining funds due at closing
$54,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,160.17
Your down payment$39,160.17
Closing costs + prepaids$14,989.54
Total buyer cash needed$54,149.71
Remaining funds due$54,149.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.99
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)$555.25
Initial HOA (3 months)$288.00
Prepaid interest, first (31 days)$2,571.30
Fees + prepaids$14,989.54
Your down payment is the seller’s equity. You take over the $470,839 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $54,149.71 is due at closing. Uses and sources reconcile at $524,988.54 each. Not a Closing Disclosure.