Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,387Cash toward the purchase price.
Closing costs + prepaids$15,032Not just lender fees.
Before credits & paid funds$54,420The complete starting cash picture.
Estimated remaining funds due at closing
$54,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,387.41
Your down payment$39,387.41
Closing costs + prepaids$15,032.32
Total buyer cash needed$54,419.73
Remaining funds due$54,419.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$410.50
Initial HOA (3 months)$237.99
Prepaid interest, first (31 days)$2,709.83
Fees + prepaids$15,032.32
Your down payment is the seller’s equity. You take over the $480,513 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $54,419.73 is due at closing. Uses and sources reconcile at $534,932.32 each. Not a Closing Disclosure.