Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,502Cash toward the purchase price.
Closing costs + prepaids$14,201Not just lender fees.
Before credits & paid funds$44,703The complete starting cash picture.
Estimated remaining funds due at closing
$44,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,501.89
Your down payment$30,501.89
Closing costs + prepaids$14,200.97
Total buyer cash needed$44,702.87
Remaining funds due$44,702.87
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)$69.75
Initial HOA (3 months)$108.00
Prepaid interest, first (31 days)$2,698.22
Fees + prepaids$14,200.97
Your down payment is the seller’s equity. You take over the $454,498 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $44,702.87 is due at closing. Uses and sources reconcile at $499,200.97 each. Not a Closing Disclosure.