Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,958Cash toward the purchase price.
Closing costs + prepaids$12,547Not just lender fees.
Before credits & paid funds$60,505The complete starting cash picture.
Estimated remaining funds due at closing
$60,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,957.82
Your down payment$47,957.82
Closing costs + prepaids$12,546.99
Total buyer cash needed$60,504.81
Remaining funds due$60,504.81
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)$810.00
Initial HOA (3 months)$182.01
Prepaid interest, first (1 days)$80.98
Fees + prepaids$12,546.99
Your down payment is the seller’s equity. You take over the $451,942 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $60,504.81 is due at closing. Uses and sources reconcile at $512,446.99 each. Not a Closing Disclosure.