Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$25,875Cash toward the purchase price.
Closing costs + prepaids$13,352Not just lender fees.
Before credits & paid funds$39,227The complete starting cash picture.
Estimated remaining funds due at closing
$39,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,875.13
Your down payment$25,875.13
Closing costs + prepaids$13,352.20
Total buyer cash needed$39,227.33
Remaining funds due$39,227.33
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)$600.00
Initial HOA (3 months)$294.00
Prepaid interest, first (10 days)$983.30
Fees + prepaids$13,352.20
Your down payment is the seller’s equity. You take over the $474,115 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $39,227.33 is due at closing. Uses and sources reconcile at $513,342.20 each. Not a Closing Disclosure.