Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$44,859Cash toward the purchase price.
Closing costs + prepaids$13,314Not just lender fees.
Before credits & paid funds$58,173The complete starting cash picture.
Estimated remaining funds due at closing
$58,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,859.00
Your down payment$44,859.00
Closing costs + prepaids$13,314.04
Total buyer cash needed$58,173.04
Remaining funds due$58,173.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,795.00
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)$575.50
Initial HOA (3 months)$534.00
Prepaid interest, first (12 days)$934.54
Fees + prepaids$13,314.04
Your down payment is the seller’s equity. You take over the $434,641 balance, so the rest of the $479,500 price is paid at closing. A second mortgage can cover part of it. $58,173.04 is due at closing. Uses and sources reconcile at $492,814.04 each. Not a Closing Disclosure.