Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,742Cash toward the purchase price.
Closing costs + prepaids$11,834Not just lender fees.
Before credits & paid funds$18,576The complete starting cash picture.
Estimated remaining funds due at closing
$18,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,742.08
Your down payment$6,742.08
Closing costs + prepaids$11,834.15
Total buyer cash needed$18,576.23
Remaining funds due$18,576.23
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)$16.00
Initial HOA (3 months)$261.00
Prepaid interest, first (1 days)$82.16
Fees + prepaids$11,834.15
Your down payment is the seller’s equity. You take over the $493,257 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $18,576.23 is due at closing. Uses and sources reconcile at $511,833.15 each. Not a Closing Disclosure.