Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$19,915Cash toward the purchase price.
Closing costs + prepaids$12,924Not just lender fees.
Before credits & paid funds$32,840The complete starting cash picture.
Estimated remaining funds due at closing
$32,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,915.17
Your down payment$19,915.17
Closing costs + prepaids$12,924.40
Total buyer cash needed$32,839.57
Remaining funds due$32,839.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.90
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 (19 days)$1,473.50
Fees + prepaids$12,924.40
Your down payment is the seller’s equity. You take over the $445,075 balance, so the rest of the $464,990 price is paid at closing. A second mortgage can cover part of it. $32,839.57 is due at closing. Uses and sources reconcile at $477,914.40 each. Not a Closing Disclosure.