Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,120Cash toward the purchase price.
Closing costs + prepaids$14,842Not just lender fees.
Before credits & paid funds$50,962The complete starting cash picture.
Estimated remaining funds due at closing
$50,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,119.76
Your down payment$36,119.76
Closing costs + prepaids$14,841.76
Total buyer cash needed$50,961.52
Remaining funds due$50,961.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,959.99
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)$441.75
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$2,695.02
Fees + prepaids$14,841.76
Your down payment is the seller’s equity. You take over the $459,879 balance, so the rest of the $495,999 price is paid at closing. A second mortgage can cover part of it. $50,961.52 is due at closing. Uses and sources reconcile at $510,840.76 each. Not a Closing Disclosure.