Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$21,686Cash toward the purchase price.
Closing costs + prepaids$13,555Not just lender fees.
Before credits & paid funds$35,241The complete starting cash picture.
Estimated remaining funds due at closing
$35,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,686.46
Your down payment$21,686.46
Closing costs + prepaids$13,554.99
Total buyer cash needed$35,241.45
Remaining funds due$35,241.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$618.75
Initial HOA (3 months)$90.00
Prepaid interest, first (16 days)$1,421.24
Fees + prepaids$13,554.99
Your down payment is the seller’s equity. You take over the $473,314 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $35,241.45 is due at closing. Uses and sources reconcile at $508,554.99 each. Not a Closing Disclosure.