Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$14,206Cash toward the purchase price.
Closing costs + prepaids$13,695Not just lender fees.
Before credits & paid funds$27,901The complete starting cash picture.
Estimated remaining funds due at closing
$27,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,205.99
Your down payment$14,205.99
Closing costs + prepaids$13,695.48
Total buyer cash needed$27,901.46
Remaining funds due$27,901.46
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)$263.25
Initial HOA (3 months)$120.00
Prepaid interest, first (22 days)$1,938.23
Fees + prepaids$13,695.48
Your down payment is the seller’s equity. You take over the $475,694 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $27,901.46 is due at closing. Uses and sources reconcile at $503,595.48 each. Not a Closing Disclosure.