Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$16,022Cash toward the purchase price.
Closing costs + prepaids$14,946Not just lender fees.
Before credits & paid funds$30,967The complete starting cash picture.
Estimated remaining funds due at closing
$30,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,021.59
Your down payment$16,021.59
Closing costs + prepaids$14,945.78
Total buyer cash needed$30,967.38
Remaining funds due$30,967.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,082.75
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$2,303.03
Fees + prepaids$14,945.78
Your down payment is the seller’s equity. You take over the $478,978 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $30,967.38 is due at closing. Uses and sources reconcile at $509,945.78 each. Not a Closing Disclosure.