Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$18,427Cash toward the purchase price.
Closing costs + prepaids$12,599Not just lender fees.
Before credits & paid funds$31,026The complete starting cash picture.
Estimated remaining funds due at closing
$31,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,426.94
Your down payment$18,426.94
Closing costs + prepaids$12,599.37
Total buyer cash needed$31,026.30
Remaining funds due$31,026.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$611.75
Initial HOA (3 months)$600.00
Prepaid interest, first (2 days)$162.62
Fees + prepaids$12,599.37
Your down payment is the seller’s equity. You take over the $456,573 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $31,026.30 is due at closing. Uses and sources reconcile at $487,599.37 each. Not a Closing Disclosure.