Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$31,940Cash toward the purchase price.
Closing costs + prepaids$13,617Not just lender fees.
Before credits & paid funds$45,557The complete starting cash picture.
Estimated remaining funds due at closing
$45,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,939.75
Your down payment$31,939.75
Closing costs + prepaids$13,617.06
Total buyer cash needed$45,556.81
Remaining funds due$45,556.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$636.00
Initial HOA (3 months)$300.00
Prepaid interest, first (10 days)$906.06
Fees + prepaids$13,617.06
Your down payment is the seller’s equity. You take over the $498,060 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $45,556.81 is due at closing. Uses and sources reconcile at $543,617.06 each. Not a Closing Disclosure.