Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$36,255Cash toward the purchase price.
Closing costs + prepaids$14,024Not just lender fees.
Before credits & paid funds$50,280The complete starting cash picture.
Estimated remaining funds due at closing
$50,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,255.37
Your down payment$36,255.37
Closing costs + prepaids$14,024.43
Total buyer cash needed$50,279.80
Remaining funds due$50,279.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$883.75
Initial HOA (3 months)$396.00
Prepaid interest, first (20 days)$1,319.68
Fees + prepaids$14,024.43
Your down payment is the seller’s equity. You take over the $458,745 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $50,279.80 is due at closing. Uses and sources reconcile at $509,024.43 each. Not a Closing Disclosure.