Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$46,569Cash toward the purchase price.
Closing costs + prepaids$14,605Not just lender fees.
Before credits & paid funds$61,173The complete starting cash picture.
Estimated remaining funds due at closing
$61,173No 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$14,604.65
Total buyer cash needed$61,173.31
Remaining funds due$61,173.31
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)$680.75
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$2,368.90
Fees + prepaids$14,604.65
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. $61,173.31 is due at closing. Uses and sources reconcile at $504,604.65 each. Not a Closing Disclosure.