Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,465Cash toward the purchase price.
Closing costs + prepaids$15,459Not just lender fees.
Before credits & paid funds$48,924The complete starting cash picture.
Estimated remaining funds due at closing
$48,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,465.30
Your down payment$33,465.30
Closing costs + prepaids$15,458.60
Total buyer cash needed$48,923.90
Remaining funds due$48,923.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,578.00
Initial HOA (3 months)$180.00
Prepaid interest, first (26 days)$1,875.60
Fees + prepaids$15,458.60
Your down payment is the seller’s equity. You take over the $501,535 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $48,923.90 is due at closing. Uses and sources reconcile at $550,458.60 each. Not a Closing Disclosure.