Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,692Cash toward the purchase price.
Closing costs + prepaids$14,164Not just lender fees.
Before credits & paid funds$36,856The complete starting cash picture.
Estimated remaining funds due at closing
$36,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,691.63
Your down payment$22,691.63
Closing costs + prepaids$14,164.23
Total buyer cash needed$36,855.86
Remaining funds due$36,855.86
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)$973.00
Initial HOA (3 months)$198.00
Prepaid interest, first (23 days)$1,619.23
Fees + prepaids$14,164.23
Your down payment is the seller’s equity. You take over the $467,208 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $36,855.86 is due at closing. Uses and sources reconcile at $504,064.23 each. Not a Closing Disclosure.