Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,137Cash toward the purchase price.
Closing costs + prepaids$14,296Not just lender fees.
Before credits & paid funds$39,434The complete starting cash picture.
Estimated remaining funds due at closing
$39,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,137.49
Your down payment$25,137.49
Closing costs + prepaids$14,296.40
Total buyer cash needed$39,433.89
Remaining funds due$39,433.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$646.50
Initial HOA (3 months)$194.01
Prepaid interest, first (23 days)$1,980.89
Fees + prepaids$14,296.40
Your down payment is the seller’s equity. You take over the $474,863 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $39,433.89 is due at closing. Uses and sources reconcile at $514,296.40 each. Not a Closing Disclosure.