Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$26,561Cash toward the purchase price.
Closing costs + prepaids$13,144Not just lender fees.
Before credits & paid funds$39,705The complete starting cash picture.
Estimated remaining funds due at closing
$39,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,560.97
Your down payment$26,560.97
Closing costs + prepaids$13,144.13
Total buyer cash needed$39,705.10
Remaining funds due$39,705.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,010.00
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)$601.25
Initial HOA (3 months)$246.00
Prepaid interest, first (9 days)$811.88
Fees + prepaids$13,144.13
Your down payment is the seller’s equity. You take over the $474,439 balance, so the rest of the $501,000 price is paid at closing. A second mortgage can cover part of it. $39,705.10 is due at closing. Uses and sources reconcile at $514,144.13 each. Not a Closing Disclosure.