Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$27,511Cash toward the purchase price.
Closing costs + prepaids$13,938Not just lender fees.
Before credits & paid funds$41,449The complete starting cash picture.
Estimated remaining funds due at closing
$41,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,511.19
Your down payment$27,511.19
Closing costs + prepaids$13,938.23
Total buyer cash needed$41,449.42
Remaining funds due$41,449.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$750.25
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$1,458.08
Fees + prepaids$13,938.23
Your down payment is the seller’s equity. You take over the $472,479 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $41,449.42 is due at closing. Uses and sources reconcile at $513,928.23 each. Not a Closing Disclosure.