Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,074Cash toward the purchase price.
Closing costs + prepaids$15,732Not just lender fees.
Before credits & paid funds$16,806The complete starting cash picture.
Estimated remaining funds due at closing
$16,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,073.54
Your down payment$1,073.54
Closing costs + prepaids$15,732.14
Total buyer cash needed$16,805.68
Remaining funds due$16,805.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,898.90
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)$1,331.25
Initial HOA (3 months)$513.00
Prepaid interest, first (26 days)$2,513.99
Fees + prepaids$15,732.14
Your down payment is the seller’s equity. You take over the $488,816 balance, so the rest of the $489,890 price is paid at closing. A second mortgage can cover part of it. $16,805.68 is due at closing. Uses and sources reconcile at $505,622.14 each. Not a Closing Disclosure.