Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$4,513Cash toward the purchase price.
Closing costs + prepaids$13,724Not just lender fees.
Before credits & paid funds$18,237The complete starting cash picture.
Estimated remaining funds due at closing
$18,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,513.02
Your down payment$4,513.02
Closing costs + prepaids$13,724.30
Total buyer cash needed$18,237.32
Remaining funds due$18,237.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.90
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)$1,200.00
Prepaid interest, first (23 days)$1,249.40
Fees + prepaids$13,724.30
Your down payment is the seller’s equity. You take over the $475,477 balance, so the rest of the $479,990 price is paid at closing. A second mortgage can cover part of it. $18,237.32 is due at closing. Uses and sources reconcile at $493,714.30 each. Not a Closing Disclosure.