Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$33,465Cash toward the purchase price.
Closing costs + prepaids$13,513Not just lender fees.
Before credits & paid funds$46,978The complete starting cash picture.
Estimated remaining funds due at closing
$46,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,465.30
Your down payment$33,465.30
Closing costs + prepaids$13,512.66
Total buyer cash needed$46,977.96
Remaining funds due$46,977.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$642.00
Initial HOA (3 months)$180.00
Prepaid interest, first (12 days)$865.66
Fees + prepaids$13,512.66
Your down payment is the seller’s equity. You take over the $501,535 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $46,977.96 is due at closing. Uses and sources reconcile at $548,512.66 each. Not a Closing Disclosure.