Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,699Cash toward the purchase price.
Closing costs + prepaids$15,377Not just lender fees.
Before credits & paid funds$51,077The complete starting cash picture.
Estimated remaining funds due at closing
$51,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,699.49
Your down payment$35,699.49
Closing costs + prepaids$15,377.07
Total buyer cash needed$51,076.56
Remaining funds due$51,076.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,270.50
Initial HOA (3 months)$375.00
Prepaid interest, first (30 days)$2,306.57
Fees + prepaids$15,377.07
Your down payment is the seller’s equity. You take over the $459,301 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $51,076.56 is due at closing. Uses and sources reconcile at $510,377.07 each. Not a Closing Disclosure.