Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,643Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$47,964The complete starting cash picture.
Estimated remaining funds due at closing
$47,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,643.45
Your down payment$35,643.45
Closing costs + prepaids$12,320.79
Total buyer cash needed$47,964.25
Remaining funds due$47,964.25
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 (2 days)$174.05
Fees + prepaids$12,320.79
Your down payment is the seller’s equity. You take over the $460,356 balance, so the rest of the $495,999 price is paid at closing. A second mortgage can cover part of it. $47,964.25 is due at closing. Uses and sources reconcile at $508,319.79 each. Not a Closing Disclosure.