Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,320Cash toward the purchase price.
Closing costs + prepaids$15,246Not just lender fees.
Before credits & paid funds$53,567The complete starting cash picture.
Estimated remaining funds due at closing
$53,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,320.29
Your down payment$38,320.29
Closing costs + prepaids$15,246.42
Total buyer cash needed$53,566.71
Remaining funds due$53,566.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,300.00
Prepaid interest, first (26 days)$2,271.42
Fees + prepaids$15,246.42
Your down payment is the seller’s equity. You take over the $481,680 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $53,566.71 is due at closing. Uses and sources reconcile at $535,246.42 each. Not a Closing Disclosure.