Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$35,909Cash toward the purchase price.
Closing costs + prepaids$13,569Not just lender fees.
Before credits & paid funds$49,478The complete starting cash picture.
Estimated remaining funds due at closing
$49,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,909.00
Your down payment$35,909.00
Closing costs + prepaids$13,569.30
Total buyer cash needed$49,478.30
Remaining funds due$49,478.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.98
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)$705.50
Initial HOA (3 months)$270.00
Prepaid interest, first (19 days)$1,518.82
Fees + prepaids$13,569.30
Your down payment is the seller’s equity. You take over the $424,089 balance, so the rest of the $459,998 price is paid at closing. A second mortgage can cover part of it. $49,478.30 is due at closing. Uses and sources reconcile at $473,567.30 each. Not a Closing Disclosure.