Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$33,303Cash toward the purchase price.
Closing costs + prepaids$16,134Not just lender fees.
Before credits & paid funds$49,438The complete starting cash picture.
Estimated remaining funds due at closing
$49,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,303.32
Your down payment$33,303.32
Closing costs + prepaids$16,134.47
Total buyer cash needed$49,437.79
Remaining funds due$49,437.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$1,808.25
Initial HOA (3 months)$200.01
Prepaid interest, first (29 days)$2,552.21
Fees + prepaids$16,134.47
Your down payment is the seller’s equity. You take over the $476,597 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $49,437.79 is due at closing. Uses and sources reconcile at $526,034.47 each. Not a Closing Disclosure.