Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,571Cash toward the purchase price.
Closing costs + prepaids$14,654Not just lender fees.
Before credits & paid funds$30,225The complete starting cash picture.
Estimated remaining funds due at closing
$30,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,570.58
Your down payment$15,570.58
Closing costs + prepaids$14,654.44
Total buyer cash needed$30,225.02
Remaining funds due$30,225.02
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)$577.00
Prepaid interest, first (30 days)$2,603.44
Fees + prepaids$14,654.44
Your down payment is the seller’s equity. You take over the $484,329 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $30,225.02 is due at closing. Uses and sources reconcile at $514,554.44 each. Not a Closing Disclosure.