Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,226Cash toward the purchase price.
Closing costs + prepaids$12,904Not just lender fees.
Before credits & paid funds$47,129The complete starting cash picture.
Estimated remaining funds due at closing
$47,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,225.59
Your down payment$34,225.59
Closing costs + prepaids$12,903.57
Total buyer cash needed$47,129.16
Remaining funds due$47,129.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$71.50
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$1,171.07
Fees + prepaids$12,903.57
Your down payment is the seller’s equity. You take over the $465,774 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $47,129.16 is due at closing. Uses and sources reconcile at $512,903.57 each. Not a Closing Disclosure.