Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,696Cash toward the purchase price.
Closing costs + prepaids$15,011Not just lender fees.
Before credits & paid funds$49,707The complete starting cash picture.
Estimated remaining funds due at closing
$49,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,696.15
Your down payment$34,696.15
Closing costs + prepaids$15,011.18
Total buyer cash needed$49,707.33
Remaining funds due$49,707.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.99
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)$633.00
Initial HOA (3 months)$90.00
Prepaid interest, first (31 days)$2,613.19
Fees + prepaids$15,011.18
Your down payment is the seller’s equity. You take over the $485,303 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $49,707.33 is due at closing. Uses and sources reconcile at $535,010.18 each. Not a Closing Disclosure.