Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,411Cash toward the purchase price.
Closing costs + prepaids$14,781Not just lender fees.
Before credits & paid funds$43,192The complete starting cash picture.
Estimated remaining funds due at closing
$43,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,411.00
Your down payment$28,411.00
Closing costs + prepaids$14,780.59
Total buyer cash needed$43,191.59
Remaining funds due$43,191.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$762.25
Prepaid interest, first (31 days)$2,543.35
Fees + prepaids$14,780.59
Your down payment is the seller’s equity. You take over the $471,588 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $43,191.59 is due at closing. Uses and sources reconcile at $514,779.59 each. Not a Closing Disclosure.