Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$35,909Cash toward the purchase price.
Closing costs + prepaids$13,729Not just lender fees.
Before credits & paid funds$49,638The complete starting cash picture.
Estimated remaining funds due at closing
$49,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,909.00
Your down payment$35,909.00
Closing costs + prepaids$13,729.18
Total buyer cash needed$49,638.17
Remaining funds due$49,638.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.98
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)$705.50
Initial HOA (3 months)$270.00
Prepaid interest, first (21 days)$1,678.70
Fees + prepaids$13,729.18
Your down payment is the seller’s equity. You take over the $424,089 balance, so the rest of the $459,998 price is paid at closing. A second mortgage can cover part of it. $49,638.17 is due at closing. Uses and sources reconcile at $473,727.18 each. Not a Closing Disclosure.