Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,353Cash toward the purchase price.
Closing costs + prepaids$14,571Not just lender fees.
Before credits & paid funds$55,924The complete starting cash picture.
Estimated remaining funds due at closing
$55,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,353.30
Your down payment$41,353.30
Closing costs + prepaids$14,570.63
Total buyer cash needed$55,923.93
Remaining funds due$55,923.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$500.50
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$2,520.13
Fees + prepaids$14,570.63
Your down payment is the seller’s equity. You take over the $437,647 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $55,923.93 is due at closing. Uses and sources reconcile at $493,570.63 each. Not a Closing Disclosure.