Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$31,094Cash toward the purchase price.
Closing costs + prepaids$13,187Not just lender fees.
Before credits & paid funds$44,280The complete starting cash picture.
Estimated remaining funds due at closing
$44,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,093.55
Your down payment$31,093.55
Closing costs + prepaids$13,186.80
Total buyer cash needed$44,280.35
Remaining funds due$44,280.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$612.00
Prepaid interest, first (12 days)$999.80
Fees + prepaids$13,186.80
Your down payment is the seller’s equity. You take over the $478,906 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $44,280.35 is due at closing. Uses and sources reconcile at $523,186.80 each. Not a Closing Disclosure.