Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$33,903Cash toward the purchase price.
Closing costs + prepaids$13,529Not just lender fees.
Before credits & paid funds$47,432The complete starting cash picture.
Estimated remaining funds due at closing
$47,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,902.59
Your down payment$33,902.59
Closing costs + prepaids$13,529.00
Total buyer cash needed$47,431.60
Remaining funds due$47,431.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$637.50
Initial HOA (3 months)$273.00
Prepaid interest, first (16 days)$1,043.50
Fees + prepaids$13,529.00
Your down payment is the seller’s equity. You take over the $476,097 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $47,431.60 is due at closing. Uses and sources reconcile at $523,529.00 each. Not a Closing Disclosure.