Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,325Cash toward the purchase price.
Closing costs + prepaids$15,304Not just lender fees.
Before credits & paid funds$45,629The complete starting cash picture.
Estimated remaining funds due at closing
$45,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,324.55
Your down payment$30,324.55
Closing costs + prepaids$15,304.11
Total buyer cash needed$45,628.66
Remaining funds due$45,628.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,300.00
Prepaid interest, first (27 days)$2,329.11
Fees + prepaids$15,304.11
Your down payment is the seller’s equity. You take over the $489,675 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $45,628.66 is due at closing. Uses and sources reconcile at $535,304.11 each. Not a Closing Disclosure.