Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$39,460Cash toward the purchase price.
Closing costs + prepaids$13,135Not just lender fees.
Before credits & paid funds$52,595The complete starting cash picture.
Estimated remaining funds due at closing
$52,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,459.87
Your down payment$39,459.87
Closing costs + prepaids$13,135.35
Total buyer cash needed$52,595.22
Remaining funds due$52,595.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$582.00
Initial HOA (3 months)$411.00
Prepaid interest, first (9 days)$817.35
Fees + prepaids$13,135.35
Your down payment is the seller’s equity. You take over the $445,540 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $52,595.22 is due at closing. Uses and sources reconcile at $498,135.35 each. Not a Closing Disclosure.