Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,404Cash toward the purchase price.
Closing costs + prepaids$16,056Not just lender fees.
Before credits & paid funds$51,460The complete starting cash picture.
Estimated remaining funds due at closing
$51,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,404.10
Your down payment$35,404.10
Closing costs + prepaids$16,055.71
Total buyer cash needed$51,459.82
Remaining funds due$51,459.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,162.50
Initial HOA (3 months)$1,620.00
Prepaid interest, first (27 days)$2,148.21
Fees + prepaids$16,055.71
Your down payment is the seller’s equity. You take over the $429,596 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $51,459.82 is due at closing. Uses and sources reconcile at $481,055.71 each. Not a Closing Disclosure.