Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,635Cash toward the purchase price.
Closing costs + prepaids$15,851Not just lender fees.
Before credits & paid funds$51,486The complete starting cash picture.
Estimated remaining funds due at closing
$51,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,635.46
Your down payment$35,635.46
Closing costs + prepaids$15,850.65
Total buyer cash needed$51,486.11
Remaining funds due$51,486.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,730.00
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)$1,325.00
Initial HOA (3 months)$1,098.00
Prepaid interest, first (27 days)$2,222.65
Fees + prepaids$15,850.65
Your down payment is the seller’s equity. You take over the $437,365 balance, so the rest of the $473,000 price is paid at closing. A second mortgage can cover part of it. $51,486.11 is due at closing. Uses and sources reconcile at $488,850.65 each. Not a Closing Disclosure.