Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,116Cash toward the purchase price.
Closing costs + prepaids$13,586Not just lender fees.
Before credits & paid funds$47,702The complete starting cash picture.
Estimated remaining funds due at closing
$47,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,116.28
Your down payment$34,116.28
Closing costs + prepaids$13,585.74
Total buyer cash needed$47,702.02
Remaining funds due$47,702.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.73
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)$636.00
Initial HOA (3 months)$117.00
Prepaid interest, first (12 days)$1,058.01
Fees + prepaids$13,585.74
Your down payment is the seller’s equity. You take over the $495,857 balance, so the rest of the $529,973 price is paid at closing. A second mortgage can cover part of it. $47,702.02 is due at closing. Uses and sources reconcile at $543,558.74 each. Not a Closing Disclosure.