Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$59,495Cash toward the purchase price.
Closing costs + prepaids$12,638Not just lender fees.
Before credits & paid funds$72,133The complete starting cash picture.
Estimated remaining funds due at closing
$72,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,495.48
Your down payment$59,495.48
Closing costs + prepaids$12,637.55
Total buyer cash needed$72,133.03
Remaining funds due$72,133.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$598.75
Initial HOA (3 months)$174.99
Prepaid interest, first (6 days)$398.81
Fees + prepaids$12,637.55
Your down payment is the seller’s equity. You take over the $439,505 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $72,133.03 is due at closing. Uses and sources reconcile at $511,637.55 each. Not a Closing Disclosure.