Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$41,382Cash toward the purchase price.
Closing costs + prepaids$13,905Not just lender fees.
Before credits & paid funds$55,288The complete starting cash picture.
Estimated remaining funds due at closing
$55,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,382.25
Your down payment$41,382.25
Closing costs + prepaids$13,905.47
Total buyer cash needed$55,287.72
Remaining funds due$55,287.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,039.00
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)$406.00
Initial HOA (3 months)$447.00
Prepaid interest, first (19 days)$1,538.47
Fees + prepaids$13,905.47
Your down payment is the seller’s equity. You take over the $462,518 balance, so the rest of the $503,900 price is paid at closing. A second mortgage can cover part of it. $55,287.72 is due at closing. Uses and sources reconcile at $517,805.47 each. Not a Closing Disclosure.