Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,528Cash toward the purchase price.
Closing costs + prepaids$14,153Not just lender fees.
Before credits & paid funds$48,681The complete starting cash picture.
Estimated remaining funds due at closing
$48,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,527.71
Your down payment$34,527.71
Closing costs + prepaids$14,153.21
Total buyer cash needed$48,680.92
Remaining funds due$48,680.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$231.75
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$2,106.46
Fees + prepaids$14,153.21
Your down payment is the seller’s equity. You take over the $484,472 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $48,680.92 is due at closing. Uses and sources reconcile at $533,153.21 each. Not a Closing Disclosure.