Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,676Cash toward the purchase price.
Closing costs + prepaids$14,264Not just lender fees.
Before credits & paid funds$37,940The complete starting cash picture.
Estimated remaining funds due at closing
$37,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,676.08
Your down payment$23,676.08
Closing costs + prepaids$14,264.05
Total buyer cash needed$37,940.14
Remaining funds due$37,940.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$836.75
Prepaid interest, first (25 days)$2,053.30
Fees + prepaids$14,264.05
Your down payment is the seller’s equity. You take over the $466,224 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $37,940.14 is due at closing. Uses and sources reconcile at $504,164.05 each. Not a Closing Disclosure.