Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$14,456Cash toward the purchase price.
Closing costs + prepaids$16,882Not just lender fees.
Before credits & paid funds$31,338The complete starting cash picture.
Estimated remaining funds due at closing
$31,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,455.63
Your down payment$14,455.63
Closing costs + prepaids$16,882.23
Total buyer cash needed$31,337.86
Remaining funds due$31,337.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$3,152.25
Initial HOA (3 months)$60.24
Prepaid interest, first (24 days)$2,204.74
Fees + prepaids$16,882.23
Your down payment is the seller’s equity. You take over the $484,544 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $31,337.86 is due at closing. Uses and sources reconcile at $515,882.23 each. Not a Closing Disclosure.