Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$18,382Cash toward the purchase price.
Closing costs + prepaids$13,134Not just lender fees.
Before credits & paid funds$31,515The complete starting cash picture.
Estimated remaining funds due at closing
$31,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,381.76
Your down payment$18,381.76
Closing costs + prepaids$13,133.55
Total buyer cash needed$31,515.31
Remaining funds due$31,515.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$588.00
Initial HOA (3 months)$141.00
Prepaid interest, first (12 days)$1,029.55
Fees + prepaids$13,133.55
Your down payment is the seller’s equity. You take over the $471,618 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $31,515.31 is due at closing. Uses and sources reconcile at $503,133.55 each. Not a Closing Disclosure.