Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,920Cash toward the purchase price.
Closing costs + prepaids$15,583Not just lender fees.
Before credits & paid funds$19,503The complete starting cash picture.
Estimated remaining funds due at closing
$19,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,919.59
Your down payment$3,919.59
Closing costs + prepaids$15,583.49
Total buyer cash needed$19,503.08
Remaining funds due$19,503.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$1,245.00
Initial HOA (3 months)$725.01
Prepaid interest, first (26 days)$2,339.48
Fees + prepaids$15,583.49
Your down payment is the seller’s equity. You take over the $475,980 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $19,503.08 is due at closing. Uses and sources reconcile at $495,483.49 each. Not a Closing Disclosure.