Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$41,404Cash toward the purchase price.
Closing costs + prepaids$13,909Not just lender fees.
Before credits & paid funds$55,313The complete starting cash picture.
Estimated remaining funds due at closing
$55,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,403.66
Your down payment$41,403.66
Closing costs + prepaids$13,909.35
Total buyer cash needed$55,313.01
Remaining funds due$55,313.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$487.00
Initial HOA (3 months)$240.00
Prepaid interest, first (20 days)$1,607.35
Fees + prepaids$13,909.35
Your down payment is the seller’s equity. You take over the $468,596 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $55,313.01 is due at closing. Uses and sources reconcile at $523,909.35 each. Not a Closing Disclosure.