Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,299Cash toward the purchase price.
Closing costs + prepaids$15,774Not just lender fees.
Before credits & paid funds$39,073The complete starting cash picture.
Estimated remaining funds due at closing
$39,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,298.95
Your down payment$23,298.95
Closing costs + prepaids$15,774.07
Total buyer cash needed$39,073.02
Remaining funds due$39,073.02
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)$1,384.75
Initial HOA (3 months)$465.00
Prepaid interest, first (28 days)$2,699.32
Fees + prepaids$15,774.07
Your down payment is the seller’s equity. You take over the $451,701 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $39,073.02 is due at closing. Uses and sources reconcile at $490,774.07 each. Not a Closing Disclosure.