Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$1,516Cash toward the purchase price.
Closing costs + prepaids$13,520Not just lender fees.
Before credits & paid funds$15,036The complete starting cash picture.
Estimated remaining funds due at closing
$15,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,516.13
Your down payment$1,516.13
Closing costs + prepaids$13,520.21
Total buyer cash needed$15,036.34
Remaining funds due$15,036.34
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)$625.00
Prepaid interest, first (16 days)$1,420.31
Fees + prepaids$13,520.21
Your down payment is the seller’s equity. You take over the $498,474 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $15,036.34 is due at closing. Uses and sources reconcile at $513,510.21 each. Not a Closing Disclosure.