Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,683Cash toward the purchase price.
Closing costs + prepaids$14,829Not just lender fees.
Before credits & paid funds$37,513The complete starting cash picture.
Estimated remaining funds due at closing
$37,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,683.36
Your down payment$22,683.36
Closing costs + prepaids$14,829.42
Total buyer cash needed$37,512.78
Remaining funds due$37,512.78
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)$1,281.50
Prepaid interest, first (27 days)$2,222.92
Fees + prepaids$14,829.42
Your down payment is the seller’s equity. You take over the $462,317 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $37,512.78 is due at closing. Uses and sources reconcile at $499,829.42 each. Not a Closing Disclosure.