Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,206Cash toward the purchase price.
Closing costs + prepaids$14,400Not just lender fees.
Before credits & paid funds$28,606The complete starting cash picture.
Estimated remaining funds due at closing
$28,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,205.99
Your down payment$14,205.99
Closing costs + prepaids$14,400.28
Total buyer cash needed$28,606.27
Remaining funds due$28,606.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$263.25
Initial HOA (3 months)$120.00
Prepaid interest, first (30 days)$2,643.03
Fees + prepaids$14,400.28
Your down payment is the seller’s equity. You take over the $475,694 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $28,606.27 is due at closing. Uses and sources reconcile at $504,300.28 each. Not a Closing Disclosure.