Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$18,902Cash toward the purchase price.
Closing costs + prepaids$13,207Not just lender fees.
Before credits & paid funds$32,109The complete starting cash picture.
Estimated remaining funds due at closing
$32,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,901.77
Your down payment$18,901.77
Closing costs + prepaids$13,207.23
Total buyer cash needed$32,109.00
Remaining funds due$32,109.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$570.00
Initial HOA (3 months)$600.00
Prepaid interest, first (10 days)$812.23
Fees + prepaids$13,207.23
Your down payment is the seller’s equity. You take over the $456,098 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $32,109.00 is due at closing. Uses and sources reconcile at $488,207.23 each. Not a Closing Disclosure.