Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$32,274Cash toward the purchase price.
Closing costs + prepaids$13,003Not just lender fees.
Before credits & paid funds$45,277The complete starting cash picture.
Estimated remaining funds due at closing
$45,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,273.74
Your down payment$32,273.74
Closing costs + prepaids$13,003.31
Total buyer cash needed$45,277.04
Remaining funds due$45,277.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,159.00
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)$619.00
Initial HOA (3 months)$140.01
Prepaid interest, first (7 days)$610.30
Fees + prepaids$13,003.31
Your down payment is the seller’s equity. You take over the $483,626 balance, so the rest of the $515,900 price is paid at closing. A second mortgage can cover part of it. $45,277.04 is due at closing. Uses and sources reconcile at $528,903.31 each. Not a Closing Disclosure.