Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,511Cash toward the purchase price.
Closing costs + prepaids$14,468Not just lender fees.
Before credits & paid funds$41,980The complete starting cash picture.
Estimated remaining funds due at closing
$41,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,511.19
Your down payment$27,511.19
Closing costs + prepaids$14,468.44
Total buyer cash needed$41,979.63
Remaining funds due$41,979.63
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)$750.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$1,988.29
Fees + prepaids$14,468.44
Your down payment is the seller’s equity. You take over the $472,479 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $41,979.63 is due at closing. Uses and sources reconcile at $514,458.44 each. Not a Closing Disclosure.