Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,685Cash toward the purchase price.
Closing costs + prepaids$13,798Not just lender fees.
Before credits & paid funds$41,483The complete starting cash picture.
Estimated remaining funds due at closing
$41,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,685.33
Your down payment$27,685.33
Closing costs + prepaids$13,797.81
Total buyer cash needed$41,483.14
Remaining funds due$41,483.14
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)$121.50
Initial HOA (3 months)$45.00
Prepaid interest, first (25 days)$2,157.31
Fees + prepaids$13,797.81
Your down payment is the seller’s equity. You take over the $472,215 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $41,483.14 is due at closing. Uses and sources reconcile at $513,697.81 each. Not a Closing Disclosure.