Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,781Cash toward the purchase price.
Closing costs + prepaids$13,900Not just lender fees.
Before credits & paid funds$50,681The complete starting cash picture.
Estimated remaining funds due at closing
$50,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,781.34
Your down payment$36,781.34
Closing costs + prepaids$13,900.15
Total buyer cash needed$50,681.49
Remaining funds due$50,681.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,140.00
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)$977.25
Initial HOA (3 months)$360.00
Prepaid interest, first (25 days)$947.90
Fees + prepaids$13,900.15
Your down payment is the seller’s equity. You take over the $477,219 balance, so the rest of the $514,000 price is paid at closing. A second mortgage can cover part of it. $50,681.49 is due at closing. Uses and sources reconcile at $527,900.15 each. Not a Closing Disclosure.