Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$20,118Cash toward the purchase price.
Closing costs + prepaids$13,411Not just lender fees.
Before credits & paid funds$33,529The complete starting cash picture.
Estimated remaining funds due at closing
$33,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,117.76
Your down payment$20,117.76
Closing costs + prepaids$13,411.06
Total buyer cash needed$33,528.81
Remaining funds due$33,528.81
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)$342.00
Prepaid interest, first (10 days)$995.06
Fees + prepaids$13,411.06
Your down payment is the seller’s equity. You take over the $479,782 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $33,528.81 is due at closing. Uses and sources reconcile at $513,311.06 each. Not a Closing Disclosure.