Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$25,875Cash toward the purchase price.
Closing costs + prepaids$13,254Not just lender fees.
Before credits & paid funds$39,129The complete starting cash picture.
Estimated remaining funds due at closing
$39,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,875.13
Your down payment$25,875.13
Closing costs + prepaids$13,253.87
Total buyer cash needed$39,129.00
Remaining funds due$39,129.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$600.00
Initial HOA (3 months)$294.00
Prepaid interest, first (9 days)$884.97
Fees + prepaids$13,253.87
Your down payment is the seller’s equity. You take over the $474,115 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $39,129.00 is due at closing. Uses and sources reconcile at $513,243.87 each. Not a Closing Disclosure.