Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$36,781Cash toward the purchase price.
Closing costs + prepaids$12,857Not just lender fees.
Before credits & paid funds$49,639The complete starting cash picture.
Estimated remaining funds due at closing
$49,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,781.34
Your down payment$36,781.34
Closing costs + prepaids$12,857.16
Total buyer cash needed$49,638.50
Remaining funds due$49,638.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,140.00
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)$616.75
Initial HOA (3 months)$360.00
Prepaid interest, first (7 days)$265.41
Fees + prepaids$12,857.16
Your down payment is the seller’s equity. You take over the $477,219 balance, so the rest of the $514,000 price is paid at closing. A second mortgage can cover part of it. $49,638.50 is due at closing. Uses and sources reconcile at $526,857.16 each. Not a Closing Disclosure.