Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,038Cash toward the purchase price.
Closing costs + prepaids$12,428Not just lender fees.
Before credits & paid funds$51,465The complete starting cash picture.
Estimated remaining funds due at closing
$51,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,037.54
Your down payment$39,037.54
Closing costs + prepaids$12,427.56
Total buyer cash needed$51,465.09
Remaining funds due$51,465.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$509.75
Initial HOA (3 months)$411.00
Prepaid interest, first (2 days)$181.81
Fees + prepaids$12,427.56
Your down payment is the seller’s equity. You take over the $445,962 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $51,465.09 is due at closing. Uses and sources reconcile at $497,427.56 each. Not a Closing Disclosure.