Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,118Cash toward the purchase price.
Closing costs + prepaids$15,267Not just lender fees.
Before credits & paid funds$47,385The complete starting cash picture.
Estimated remaining funds due at closing
$47,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,117.61
Your down payment$32,117.61
Closing costs + prepaids$15,267.16
Total buyer cash needed$47,384.76
Remaining funds due$47,384.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$156.75
Initial HOA (3 months)$597.00
Prepaid interest, first (31 days)$2,838.41
Fees + prepaids$15,267.16
Your down payment is the seller’s equity. You take over the $487,882 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $47,384.76 is due at closing. Uses and sources reconcile at $535,267.16 each. Not a Closing Disclosure.