Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,829Cash toward the purchase price.
Closing costs + prepaids$16,397Not just lender fees.
Before credits & paid funds$47,226The complete starting cash picture.
Estimated remaining funds due at closing
$47,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,829.23
Your down payment$30,829.23
Closing costs + prepaids$16,396.56
Total buyer cash needed$47,225.79
Remaining funds due$47,225.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,398.88
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)$1,349.75
Initial HOA (3 months)$795.00
Prepaid interest, first (25 days)$2,377.93
Fees + prepaids$16,396.56
Your down payment is the seller’s equity. You take over the $509,059 balance, so the rest of the $539,888 price is paid at closing. A second mortgage can cover part of it. $47,225.79 is due at closing. Uses and sources reconcile at $556,284.56 each. Not a Closing Disclosure.