Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,311Cash toward the purchase price.
Closing costs + prepaids$15,480Not just lender fees.
Before credits & paid funds$45,791The complete starting cash picture.
Estimated remaining funds due at closing
$45,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,311.05
Your down payment$30,311.05
Closing costs + prepaids$15,479.94
Total buyer cash needed$45,790.99
Remaining funds due$45,790.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,960.00
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)$1,646.75
Initial HOA (3 months)$360.00
Prepaid interest, first (25 days)$2,038.19
Fees + prepaids$15,479.94
Your down payment is the seller’s equity. You take over the $465,689 balance, so the rest of the $496,000 price is paid at closing. A second mortgage can cover part of it. $45,790.99 is due at closing. Uses and sources reconcile at $511,479.94 each. Not a Closing Disclosure.