Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,510Cash toward the purchase price.
Closing costs + prepaids$14,125Not just lender fees.
Before credits & paid funds$45,634The complete starting cash picture.
Estimated remaining funds due at closing
$45,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,509.60
Your down payment$31,509.60
Closing costs + prepaids$14,124.81
Total buyer cash needed$45,634.41
Remaining funds due$45,634.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$610.50
Initial HOA (3 months)$165.00
Prepaid interest, first (24 days)$1,884.31
Fees + prepaids$14,124.81
Your down payment is the seller’s equity. You take over the $467,490 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $45,634.41 is due at closing. Uses and sources reconcile at $513,124.81 each. Not a Closing Disclosure.