Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,828Cash toward the purchase price.
Closing costs + prepaids$15,780Not just lender fees.
Before credits & paid funds$52,608The complete starting cash picture.
Estimated remaining funds due at closing
$52,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,827.69
Your down payment$36,827.69
Closing costs + prepaids$15,779.85
Total buyer cash needed$52,607.54
Remaining funds due$52,607.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,875.00
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)$1,871.50
Initial HOA (3 months)$324.00
Prepaid interest, first (26 days)$2,234.35
Fees + prepaids$15,779.85
Your down payment is the seller’s equity. You take over the $450,672 balance, so the rest of the $487,500 price is paid at closing. A second mortgage can cover part of it. $52,607.54 is due at closing. Uses and sources reconcile at $503,279.85 each. Not a Closing Disclosure.