Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$36,041Cash toward the purchase price.
Closing costs + prepaids$13,512Not just lender fees.
Before credits & paid funds$49,554The complete starting cash picture.
Estimated remaining funds due at closing
$49,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,041.27
Your down payment$36,041.27
Closing costs + prepaids$13,512.36
Total buyer cash needed$49,553.63
Remaining funds due$49,553.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,205.00
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)$624.50
Initial HOA (3 months)$300.00
Prepaid interest, first (10 days)$907.86
Fees + prepaids$13,512.36
Your down payment is the seller’s equity. You take over the $484,459 balance, so the rest of the $520,500 price is paid at closing. A second mortgage can cover part of it. $49,553.63 is due at closing. Uses and sources reconcile at $534,012.36 each. Not a Closing Disclosure.