Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,516Cash toward the purchase price.
Closing costs + prepaids$13,894Not just lender fees.
Before credits & paid funds$15,410The complete starting cash picture.
Estimated remaining funds due at closing
$15,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,516.13
Your down payment$1,516.13
Closing costs + prepaids$13,893.65
Total buyer cash needed$15,409.78
Remaining funds due$15,409.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$110.75
Prepaid interest, first (26 days)$2,308.00
Fees + prepaids$13,893.65
Your down payment is the seller’s equity. You take over the $498,474 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $15,409.78 is due at closing. Uses and sources reconcile at $513,883.65 each. Not a Closing Disclosure.