Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,529Cash toward the purchase price.
Closing costs + prepaids$14,830Not just lender fees.
Before credits & paid funds$35,358The complete starting cash picture.
Estimated remaining funds due at closing
$35,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,528.64
Your down payment$20,528.64
Closing costs + prepaids$14,829.55
Total buyer cash needed$35,358.20
Remaining funds due$35,358.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$625.50
Initial HOA (3 months)$693.00
Prepaid interest, first (30 days)$2,286.05
Fees + prepaids$14,829.55
Your down payment is the seller’s equity. You take over the $454,471 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $35,358.20 is due at closing. Uses and sources reconcile at $489,829.55 each. Not a Closing Disclosure.