Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$17,329Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$30,009The complete starting cash picture.
Estimated remaining funds due at closing
$30,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,328.53
Your down payment$17,328.53
Closing costs + prepaids$12,680.39
Total buyer cash needed$30,008.92
Remaining funds due$30,008.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Prepaid interest, first (7 days)$605.39
Fees + prepaids$12,680.39
Your down payment is the seller’s equity. You take over the $482,671 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $30,008.92 is due at closing. Uses and sources reconcile at $512,680.39 each. Not a Closing Disclosure.