Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,654Cash toward the purchase price.
Closing costs + prepaids$13,386Not just lender fees.
Before credits & paid funds$45,040The complete starting cash picture.
Estimated remaining funds due at closing
$45,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,654.24
Your down payment$31,654.24
Closing costs + prepaids$13,386.14
Total buyer cash needed$45,040.38
Remaining funds due$45,040.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,980.00
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)$1,504.50
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$156.64
Fees + prepaids$13,386.14
Your down payment is the seller’s equity. You take over the $466,346 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $45,040.38 is due at closing. Uses and sources reconcile at $511,386.14 each. Not a Closing Disclosure.