Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,910Cash toward the purchase price.
Closing costs + prepaids$14,209Not just lender fees.
Before credits & paid funds$50,119The complete starting cash picture.
Estimated remaining funds due at closing
$50,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,910.00
Your down payment$35,910.00
Closing costs + prepaids$14,208.81
Total buyer cash needed$50,118.81
Remaining funds due$50,118.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.99
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)$705.50
Initial HOA (3 months)$270.00
Prepaid interest, first (27 days)$2,158.32
Fees + prepaids$14,208.81
Your down payment is the seller’s equity. You take over the $424,089 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $50,118.81 is due at closing. Uses and sources reconcile at $474,207.81 each. Not a Closing Disclosure.