Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,339Cash toward the purchase price.
Closing costs + prepaids$14,923Not just lender fees.
Before credits & paid funds$50,262The complete starting cash picture.
Estimated remaining funds due at closing
$50,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,339.12
Your down payment$35,339.12
Closing costs + prepaids$14,922.60
Total buyer cash needed$50,261.71
Remaining funds due$50,261.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.88
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)$1,152.50
Initial HOA (3 months)$213.00
Prepaid interest, first (22 days)$2,083.22
Fees + prepaids$14,922.60
Your down payment is the seller’s equity. You take over the $464,549 balance, so the rest of the $499,888 price is paid at closing. A second mortgage can cover part of it. $50,261.71 is due at closing. Uses and sources reconcile at $514,810.60 each. Not a Closing Disclosure.