Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,018Cash toward the purchase price.
Closing costs + prepaids$16,259Not just lender fees.
Before credits & paid funds$21,277The complete starting cash picture.
Estimated remaining funds due at closing
$21,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,017.88
Your down payment$5,017.88
Closing costs + prepaids$16,259.26
Total buyer cash needed$21,277.14
Remaining funds due$21,277.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,172.50
Initial HOA (3 months)$1,581.00
Prepaid interest, first (27 days)$2,340.76
Fees + prepaids$16,259.26
Your down payment is the seller’s equity. You take over the $463,982 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $21,277.14 is due at closing. Uses and sources reconcile at $485,259.26 each. Not a Closing Disclosure.