Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,289Cash toward the purchase price.
Closing costs + prepaids$16,594Not just lender fees.
Before credits & paid funds$51,883The complete starting cash picture.
Estimated remaining funds due at closing
$51,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,288.81
Your down payment$35,288.81
Closing costs + prepaids$16,593.73
Total buyer cash needed$51,882.55
Remaining funds due$51,882.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$2,047.00
Initial HOA (3 months)$507.00
Prepaid interest, first (31 days)$2,664.73
Fees + prepaids$16,593.73
Your down payment is the seller’s equity. You take over the $454,711 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $51,882.55 is due at closing. Uses and sources reconcile at $506,593.73 each. Not a Closing Disclosure.