Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$35,908Cash toward the purchase price.
Closing costs + prepaids$13,991Not just lender fees.
Before credits & paid funds$49,899The complete starting cash picture.
Estimated remaining funds due at closing
$49,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,907.68
Your down payment$35,907.68
Closing costs + prepaids$13,991.06
Total buyer cash needed$49,898.74
Remaining funds due$49,898.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,594.00
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)$467.50
Initial HOA (3 months)$180.00
Prepaid interest, first (29 days)$2,274.56
Fees + prepaids$13,991.06
Your down payment is the seller’s equity. You take over the $423,492 balance, so the rest of the $459,400 price is paid at closing. A second mortgage can cover part of it. $49,898.74 is due at closing. Uses and sources reconcile at $473,391.06 each. Not a Closing Disclosure.