Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$6,837Cash toward the purchase price.
Closing costs + prepaids$13,288Not just lender fees.
Before credits & paid funds$20,126The complete starting cash picture.
Estimated remaining funds due at closing
$20,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,837.39
Your down payment$6,837.39
Closing costs + prepaids$13,288.39
Total buyer cash needed$20,125.78
Remaining funds due$20,125.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$600.00
Initial HOA (3 months)$285.00
Prepaid interest, first (10 days)$929.39
Fees + prepaids$13,288.39
Your down payment is the seller’s equity. You take over the $493,063 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $20,125.78 is due at closing. Uses and sources reconcile at $513,188.39 each. Not a Closing Disclosure.