Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$17,074Cash toward the purchase price.
Closing costs + prepaids$12,670Not just lender fees.
Before credits & paid funds$29,744The complete starting cash picture.
Estimated remaining funds due at closing
$29,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,074.09
Your down payment$17,074.09
Closing costs + prepaids$12,669.58
Total buyer cash needed$29,743.68
Remaining funds due$29,743.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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
Prepaid interest, first (6 days)$594.59
Fees + prepaids$12,669.58
Your down payment is the seller’s equity. You take over the $482,925 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $29,743.68 is due at closing. Uses and sources reconcile at $512,668.58 each. Not a Closing Disclosure.