Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$44,393Cash toward the purchase price.
Closing costs + prepaids$12,584Not just lender fees.
Before credits & paid funds$56,977The complete starting cash picture.
Estimated remaining funds due at closing
$56,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,393.19
Your down payment$44,393.19
Closing costs + prepaids$12,583.92
Total buyer cash needed$56,977.11
Remaining funds due$56,977.11
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)$600.00
Prepaid interest, first (6 days)$509.92
Fees + prepaids$12,583.92
Your down payment is the seller’s equity. You take over the $455,507 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $56,977.11 is due at closing. Uses and sources reconcile at $512,483.92 each. Not a Closing Disclosure.