Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,047Cash toward the purchase price.
Closing costs + prepaids$16,819Not just lender fees.
Before credits & paid funds$48,866The complete starting cash picture.
Estimated remaining funds due at closing
$48,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,046.98
Your down payment$32,046.98
Closing costs + prepaids$16,818.74
Total buyer cash needed$48,865.72
Remaining funds due$48,865.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,322.50
Initial HOA (3 months)$705.00
Prepaid interest, first (31 days)$3,026.24
Fees + prepaids$16,818.74
Your down payment is the seller’s equity. You take over the $496,953 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $48,865.72 is due at closing. Uses and sources reconcile at $545,818.74 each. Not a Closing Disclosure.