Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,089Cash toward the purchase price.
Closing costs + prepaids$13,272Not just lender fees.
Before credits & paid funds$39,361The complete starting cash picture.
Estimated remaining funds due at closing
$39,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,088.93
Your down payment$26,088.93
Closing costs + prepaids$13,271.60
Total buyer cash needed$39,360.52
Remaining funds due$39,360.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,975.00
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)$597.00
Initial HOA (3 months)$180.00
Prepaid interest, first (12 days)$1,044.60
Fees + prepaids$13,271.60
Your down payment is the seller’s equity. You take over the $471,411 balance, so the rest of the $497,500 price is paid at closing. A second mortgage can cover part of it. $39,360.52 is due at closing. Uses and sources reconcile at $510,771.60 each. Not a Closing Disclosure.