Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$7,299Cash toward the purchase price.
Closing costs + prepaids$13,804Not just lender fees.
Before credits & paid funds$21,102The complete starting cash picture.
Estimated remaining funds due at closing
$21,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,298.53
Your down payment$7,298.53
Closing costs + prepaids$13,803.78
Total buyer cash needed$21,102.31
Remaining funds due$21,102.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$16.00
Initial HOA (3 months)$261.00
Prepaid interest, first (25 days)$2,051.79
Fees + prepaids$13,803.78
Your down payment is the seller’s equity. You take over the $492,700 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $21,102.31 is due at closing. Uses and sources reconcile at $513,802.78 each. Not a Closing Disclosure.