Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$4,965Cash toward the purchase price.
Closing costs + prepaids$15,952Not just lender fees.
Before credits & paid funds$20,917The complete starting cash picture.
Estimated remaining funds due at closing
$20,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,964.72
Your down payment$4,964.72
Closing costs + prepaids$15,951.83
Total buyer cash needed$20,916.55
Remaining funds due$20,916.55
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)$1,828.00
Initial HOA (3 months)$324.99
Prepaid interest, first (27 days)$2,324.84
Fees + prepaids$15,951.83
Your down payment is the seller’s equity. You take over the $494,935 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $20,916.55 is due at closing. Uses and sources reconcile at $515,851.83 each. Not a Closing Disclosure.