Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$14,874Cash toward the purchase price.
Closing costs + prepaids$15,871Not just lender fees.
Before credits & paid funds$30,745The complete starting cash picture.
Estimated remaining funds due at closing
$30,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,873.58
Your down payment$14,873.58
Closing costs + prepaids$15,871.11
Total buyer cash needed$30,744.70
Remaining funds due$30,744.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,893.50
Initial HOA (3 months)$320.01
Prepaid interest, first (28 days)$2,392.60
Fees + prepaids$15,871.11
Your down payment is the seller’s equity. You take over the $464,126 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $30,744.70 is due at closing. Uses and sources reconcile at $494,871.11 each. Not a Closing Disclosure.