Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,882Cash toward the purchase price.
Closing costs + prepaids$14,808Not just lender fees.
Before credits & paid funds$38,690The complete starting cash picture.
Estimated remaining funds due at closing
$38,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,881.87
Your down payment$23,881.87
Closing costs + prepaids$14,807.89
Total buyer cash needed$38,689.77
Remaining funds due$38,689.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,080.00
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)$1,270.00
Prepaid interest, first (23 days)$1,982.89
Fees + prepaids$14,807.89
Your down payment is the seller’s equity. You take over the $484,118 balance, so the rest of the $508,000 price is paid at closing. A second mortgage can cover part of it. $38,689.77 is due at closing. Uses and sources reconcile at $522,807.89 each. Not a Closing Disclosure.