Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$4,949Cash toward the purchase price.
Closing costs + prepaids$15,379Not just lender fees.
Before credits & paid funds$20,329The complete starting cash picture.
Estimated remaining funds due at closing
$20,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,949.28
Your down payment$4,949.28
Closing costs + prepaids$15,379.44
Total buyer cash needed$20,328.72
Remaining funds due$20,328.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$995.00
Initial HOA (3 months)$675.00
Prepaid interest, first (28 days)$2,484.44
Fees + prepaids$15,379.44
Your down payment is the seller’s equity. You take over the $470,051 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $20,328.72 is due at closing. Uses and sources reconcile at $490,379.44 each. Not a Closing Disclosure.