Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,246Cash toward the purchase price.
Closing costs + prepaids$13,261Not just lender fees.
Before credits & paid funds$45,507The complete starting cash picture.
Estimated remaining funds due at closing
$45,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,245.52
Your down payment$32,245.52
Closing costs + prepaids$13,261.15
Total buyer cash needed$45,506.67
Remaining funds due$45,506.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,980.00
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)$597.50
Initial HOA (3 months)$270.00
Prepaid interest, first (12 days)$938.65
Fees + prepaids$13,261.15
Your down payment is the seller’s equity. You take over the $465,754 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $45,506.67 is due at closing. Uses and sources reconcile at $511,261.15 each. Not a Closing Disclosure.