Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,982Cash toward the purchase price.
Closing costs + prepaids$15,004Not just lender fees.
Before credits & paid funds$45,987The complete starting cash picture.
Estimated remaining funds due at closing
$45,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,982.28
Your down payment$30,982.28
Closing costs + prepaids$15,004.42
Total buyer cash needed$45,986.70
Remaining funds due$45,986.70
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)$969.00
Initial HOA (3 months)$56.25
Prepaid interest, first (28 days)$2,504.17
Fees + prepaids$15,004.42
Your down payment is the seller’s equity. You take over the $469,018 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $45,986.70 is due at closing. Uses and sources reconcile at $515,004.42 each. Not a Closing Disclosure.