Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,976Cash toward the purchase price.
Closing costs + prepaids$12,138Not just lender fees.
Before credits & paid funds$46,114The complete starting cash picture.
Estimated remaining funds due at closing
$46,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,975.63
Your down payment$33,975.63
Closing costs + prepaids$12,138.44
Total buyer cash needed$46,114.07
Remaining funds due$46,114.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$231.75
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$91.69
Fees + prepaids$12,138.44
Your down payment is the seller’s equity. You take over the $485,024 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $46,114.07 is due at closing. Uses and sources reconcile at $531,138.44 each. Not a Closing Disclosure.