Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,329Cash toward the purchase price.
Closing costs + prepaids$14,862Not just lender fees.
Before credits & paid funds$39,192The complete starting cash picture.
Estimated remaining funds due at closing
$39,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,329.44
Your down payment$24,329.44
Closing costs + prepaids$14,862.18
Total buyer cash needed$39,191.61
Remaining funds due$39,191.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,096.00
Initial HOA (3 months)$105.00
Prepaid interest, first (28 days)$2,396.18
Fees + prepaids$14,862.18
Your down payment is the seller’s equity. You take over the $454,671 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $39,191.61 is due at closing. Uses and sources reconcile at $493,862.18 each. Not a Closing Disclosure.