Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$25,105Cash toward the purchase price.
Closing costs + prepaids$13,159Not just lender fees.
Before credits & paid funds$38,265The complete starting cash picture.
Estimated remaining funds due at closing
$38,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,105.41
Your down payment$25,105.41
Closing costs + prepaids$13,159.29
Total buyer cash needed$38,264.71
Remaining funds due$38,264.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$594.00
Initial HOA (3 months)$342.00
Prepaid interest, first (9 days)$799.29
Fees + prepaids$13,159.29
Your down payment is the seller’s equity. You take over the $469,795 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $38,264.71 is due at closing. Uses and sources reconcile at $508,059.29 each. Not a Closing Disclosure.