Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,888Cash toward the purchase price.
Closing costs + prepaids$15,370Not just lender fees.
Before credits & paid funds$37,257The complete starting cash picture.
Estimated remaining funds due at closing
$37,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,887.60
Your down payment$21,887.60
Closing costs + prepaids$15,369.84
Total buyer cash needed$37,257.44
Remaining funds due$37,257.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,775.00
Prepaid interest, first (27 days)$2,169.84
Fees + prepaids$15,369.84
Your down payment is the seller’s equity. You take over the $473,112 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $37,257.44 is due at closing. Uses and sources reconcile at $510,369.84 each. Not a Closing Disclosure.