Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,265Cash toward the purchase price.
Closing costs + prepaids$14,686Not just lender fees.
Before credits & paid funds$32,951The complete starting cash picture.
Estimated remaining funds due at closing
$32,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,265.22
Your down payment$18,265.22
Closing costs + prepaids$14,685.84
Total buyer cash needed$32,951.06
Remaining funds due$32,951.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$779.50
Prepaid interest, first (28 days)$2,441.34
Fees + prepaids$14,685.84
Your down payment is the seller’s equity. You take over the $480,735 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $32,951.06 is due at closing. Uses and sources reconcile at $513,685.84 each. Not a Closing Disclosure.