Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,663Cash toward the purchase price.
Closing costs + prepaids$12,520Not just lender fees.
Before credits & paid funds$44,183The complete starting cash picture.
Estimated remaining funds due at closing
$44,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,662.58
Your down payment$31,662.58
Closing costs + prepaids$12,520.40
Total buyer cash needed$44,182.97
Remaining funds due$44,182.97
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 (1 days)$91.65
Fees + prepaids$12,520.40
Your down payment is the seller’s equity. You take over the $488,337 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $44,182.97 is due at closing. Uses and sources reconcile at $532,520.40 each. Not a Closing Disclosure.