Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$24,389Cash toward the purchase price.
Closing costs + prepaids$13,212Not just lender fees.
Before credits & paid funds$37,601The complete starting cash picture.
Estimated remaining funds due at closing
$37,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,388.90
Your down payment$24,388.90
Closing costs + prepaids$13,211.64
Total buyer cash needed$37,600.55
Remaining funds due$37,600.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$598.75
Initial HOA (3 months)$372.00
Prepaid interest, first (9 days)$775.89
Fees + prepaids$13,211.64
Your down payment is the seller’s equity. You take over the $474,611 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $37,600.55 is due at closing. Uses and sources reconcile at $512,211.64 each. Not a Closing Disclosure.