Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,395Cash toward the purchase price.
Closing costs + prepaids$15,609Not just lender fees.
Before credits & paid funds$47,005The complete starting cash picture.
Estimated remaining funds due at closing
$47,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,395.26
Your down payment$31,395.26
Closing costs + prepaids$15,609.44
Total buyer cash needed$47,004.70
Remaining funds due$47,004.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$635.00
Initial HOA (3 months)$288.00
Prepaid interest, first (31 days)$2,861.44
Fees + prepaids$15,609.44
Your down payment is the seller’s equity. You take over the $503,605 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $47,004.70 is due at closing. Uses and sources reconcile at $550,609.44 each. Not a Closing Disclosure.