Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$28,016Cash toward the purchase price.
Closing costs + prepaids$15,409Not just lender fees.
Before credits & paid funds$43,425The complete starting cash picture.
Estimated remaining funds due at closing
$43,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,015.76
Your down payment$28,015.76
Closing costs + prepaids$15,409.25
Total buyer cash needed$43,425.02
Remaining funds due$43,425.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,870.50
Initial HOA (3 months)$90.99
Prepaid interest, first (23 days)$2,082.76
Fees + prepaids$15,409.25
Your down payment is the seller’s equity. You take over the $460,984 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $43,425.02 is due at closing. Uses and sources reconcile at $504,409.25 each. Not a Closing Disclosure.