Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$35,909Cash toward the purchase price.
Closing costs + prepaids$12,696Not just lender fees.
Before credits & paid funds$48,605The complete starting cash picture.
Estimated remaining funds due at closing
$48,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,909.00
Your down payment$35,909.00
Closing costs + prepaids$12,696.36
Total buyer cash needed$48,605.36
Remaining funds due$48,605.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.98
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)$552.00
Initial HOA (3 months)$270.00
Prepaid interest, first (10 days)$799.38
Fees + prepaids$12,696.36
Your down payment is the seller’s equity. You take over the $424,089 balance, so the rest of the $459,998 price is paid at closing. A second mortgage can cover part of it. $48,605.36 is due at closing. Uses and sources reconcile at $472,694.36 each. Not a Closing Disclosure.