Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,915Cash toward the purchase price.
Closing costs + prepaids$13,905Not just lender fees.
Before credits & paid funds$38,820The complete starting cash picture.
Estimated remaining funds due at closing
$38,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,915.17
Your down payment$24,915.17
Closing costs + prepaids$13,905.04
Total buyer cash needed$38,820.20
Remaining funds due$38,820.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.90
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)$5.00
Initial HOA (3 months)$321.00
Prepaid interest, first (31 days)$2,404.14
Fees + prepaids$13,905.04
Your down payment is the seller’s equity. You take over the $445,075 balance, so the rest of the $469,990 price is paid at closing. A second mortgage can cover part of it. $38,820.20 is due at closing. Uses and sources reconcile at $483,895.04 each. Not a Closing Disclosure.