Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,745Cash toward the purchase price.
Closing costs + prepaids$16,782Not just lender fees.
Before credits & paid funds$50,527The complete starting cash picture.
Estimated remaining funds due at closing
$50,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,745.03
Your down payment$33,745.03
Closing costs + prepaids$16,782.44
Total buyer cash needed$50,527.48
Remaining funds due$50,527.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,287.50
Initial HOA (3 months)$1,701.00
Prepaid interest, first (25 days)$2,168.94
Fees + prepaids$16,782.44
Your down payment is the seller’s equity. You take over the $481,255 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $50,527.48 is due at closing. Uses and sources reconcile at $531,782.44 each. Not a Closing Disclosure.