Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,299Cash toward the purchase price.
Closing costs + prepaids$13,968Not just lender fees.
Before credits & paid funds$21,266The complete starting cash picture.
Estimated remaining funds due at closing
$21,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,298.53
Your down payment$7,298.53
Closing costs + prepaids$13,967.93
Total buyer cash needed$21,266.46
Remaining funds due$21,266.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$16.00
Initial HOA (3 months)$261.00
Prepaid interest, first (27 days)$2,215.94
Fees + prepaids$13,967.93
Your down payment is the seller’s equity. You take over the $492,700 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $21,266.46 is due at closing. Uses and sources reconcile at $513,966.93 each. Not a Closing Disclosure.