Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,464Cash toward the purchase price.
Closing costs + prepaids$14,929Not just lender fees.
Before credits & paid funds$46,393The complete starting cash picture.
Estimated remaining funds due at closing
$46,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,464.20
Your down payment$31,464.20
Closing costs + prepaids$14,929.28
Total buyer cash needed$46,393.47
Remaining funds due$46,393.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$662.25
Initial HOA (3 months)$171.00
Prepaid interest, first (26 days)$2,322.03
Fees + prepaids$14,929.28
Your down payment is the seller’s equity. You take over the $498,436 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $46,393.47 is due at closing. Uses and sources reconcile at $544,829.28 each. Not a Closing Disclosure.