Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,169Cash toward the purchase price.
Closing costs + prepaids$15,224Not just lender fees.
Before credits & paid funds$47,393The complete starting cash picture.
Estimated remaining funds due at closing
$47,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,168.82
Your down payment$32,168.82
Closing costs + prepaids$15,224.15
Total buyer cash needed$47,392.97
Remaining funds due$47,392.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,530.75
Initial HOA (3 months)$345.00
Prepaid interest, first (23 days)$1,983.40
Fees + prepaids$15,224.15
Your down payment is the seller’s equity. You take over the $456,831 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $47,392.97 is due at closing. Uses and sources reconcile at $504,224.15 each. Not a Closing Disclosure.