Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,233Cash toward the purchase price.
Closing costs + prepaids$14,982Not just lender fees.
Before credits & paid funds$36,215The complete starting cash picture.
Estimated remaining funds due at closing
$36,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,233.09
Your down payment$21,233.09
Closing costs + prepaids$14,982.01
Total buyer cash needed$36,215.10
Remaining funds due$36,215.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,805.00
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)$742.25
Initial HOA (3 months)$636.00
Prepaid interest, first (27 days)$2,323.76
Fees + prepaids$14,982.01
Your down payment is the seller’s equity. You take over the $459,267 balance, so the rest of the $480,500 price is paid at closing. A second mortgage can cover part of it. $36,215.10 is due at closing. Uses and sources reconcile at $495,482.01 each. Not a Closing Disclosure.