Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$19,435Cash toward the purchase price.
Closing costs + prepaids$12,741Not just lender fees.
Before credits & paid funds$32,176The complete starting cash picture.
Estimated remaining funds due at closing
$32,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,435.03
Your down payment$19,435.03
Closing costs + prepaids$12,741.38
Total buyer cash needed$32,176.41
Remaining funds due$32,176.41
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)$1,093.75
Prepaid interest, first (2 days)$182.63
Fees + prepaids$12,741.38
Your down payment is the seller’s equity. You take over the $479,565 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $32,176.41 is due at closing. Uses and sources reconcile at $511,741.38 each. Not a Closing Disclosure.