Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$32,118Cash toward the purchase price.
Closing costs + prepaids$14,352Not just lender fees.
Before credits & paid funds$46,469The complete starting cash picture.
Estimated remaining funds due at closing
$46,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,117.61
Your down payment$32,117.61
Closing costs + prepaids$14,351.54
Total buyer cash needed$46,469.15
Remaining funds due$46,469.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$156.75
Initial HOA (3 months)$597.00
Prepaid interest, first (21 days)$1,922.79
Fees + prepaids$14,351.54
Your down payment is the seller’s equity. You take over the $487,882 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $46,469.15 is due at closing. Uses and sources reconcile at $534,351.54 each. Not a Closing Disclosure.