Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$3,380Cash toward the purchase price.
Closing costs + prepaids$16,312Not just lender fees.
Before credits & paid funds$19,693The complete starting cash picture.
Estimated remaining funds due at closing
$19,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,380.24
Your down payment$3,380.24
Closing costs + prepaids$16,312.32
Total buyer cash needed$19,692.56
Remaining funds due$19,692.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,955.75
Initial HOA (3 months)$24.99
Prepaid interest, first (31 days)$2,866.58
Fees + prepaids$16,312.32
Your down payment is the seller’s equity. You take over the $495,620 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $19,692.56 is due at closing. Uses and sources reconcile at $515,312.32 each. Not a Closing Disclosure.