Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$16,624Cash toward the purchase price.
Closing costs + prepaids$15,184Not just lender fees.
Before credits & paid funds$31,808The complete starting cash picture.
Estimated remaining funds due at closing
$31,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,623.56
Your down payment$16,623.56
Closing costs + prepaids$15,184.44
Total buyer cash needed$31,808.00
Remaining funds due$31,808.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,249.75
Initial HOA (3 months)$468.00
Prepaid interest, first (28 days)$1,992.69
Fees + prepaids$15,184.44
Your down payment is the seller’s equity. You take over the $483,276 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $31,808.00 is due at closing. Uses and sources reconcile at $515,084.44 each. Not a Closing Disclosure.