Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,779Cash toward the purchase price.
Closing costs + prepaids$16,327Not just lender fees.
Before credits & paid funds$46,106The complete starting cash picture.
Estimated remaining funds due at closing
$46,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,778.74
Your down payment$29,778.74
Closing costs + prepaids$16,326.94
Total buyer cash needed$46,105.68
Remaining funds due$46,105.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,299.75
Initial HOA (3 months)$507.00
Prepaid interest, first (28 days)$2,846.19
Fees + prepaids$16,326.94
Your down payment is the seller’s equity. You take over the $490,121 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $46,105.68 is due at closing. Uses and sources reconcile at $536,226.94 each. Not a Closing Disclosure.