Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$25,279Cash toward the purchase price.
Closing costs + prepaids$16,108Not just lender fees.
Before credits & paid funds$41,387The complete starting cash picture.
Estimated remaining funds due at closing
$41,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,278.88
Your down payment$25,278.88
Closing costs + prepaids$16,108.40
Total buyer cash needed$41,387.27
Remaining funds due$41,387.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,985.00
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)$1,814.50
Initial HOA (3 months)$390.00
Prepaid interest, first (29 days)$2,443.90
Fees + prepaids$16,108.40
Your down payment is the seller’s equity. You take over the $473,221 balance, so the rest of the $498,500 price is paid at closing. A second mortgage can cover part of it. $41,387.27 is due at closing. Uses and sources reconcile at $514,608.40 each. Not a Closing Disclosure.