Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$12,673Cash toward the purchase price.
Closing costs + prepaids$13,327Not just lender fees.
Before credits & paid funds$26,000The complete starting cash picture.
Estimated remaining funds due at closing
$26,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,672.79
Your down payment$12,672.79
Closing costs + prepaids$13,327.38
Total buyer cash needed$26,000.17
Remaining funds due$26,000.17
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)$645.00
Prepaid interest, first (7 days)$607.48
Fees + prepaids$13,327.38
Your down payment is the seller’s equity. You take over the $487,317 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $26,000.17 is due at closing. Uses and sources reconcile at $513,317.38 each. Not a Closing Disclosure.