Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,498Cash toward the purchase price.
Closing costs + prepaids$11,834Not just lender fees.
Before credits & paid funds$45,333The complete starting cash picture.
Estimated remaining funds due at closing
$45,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,498.29
Your down payment$33,498.29
Closing costs + prepaids$11,834.49
Total buyer cash needed$45,332.78
Remaining funds due$45,332.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$71.50
Initial HOA (3 months)$186.00
Prepaid interest, first (2 days)$101.99
Fees + prepaids$11,834.49
Your down payment is the seller’s equity. You take over the $466,502 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $45,332.78 is due at closing. Uses and sources reconcile at $511,834.49 each. Not a Closing Disclosure.