Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,332Cash toward the purchase price.
Closing costs + prepaids$12,637Not just lender fees.
Before credits & paid funds$18,969The complete starting cash picture.
Estimated remaining funds due at closing
$18,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,331.79
Your down payment$6,331.79
Closing costs + prepaids$12,636.78
Total buyer cash needed$18,968.58
Remaining funds due$18,968.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$784.75
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$93.03
Fees + prepaids$12,636.78
Your down payment is the seller’s equity. You take over the $493,568 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $18,968.58 is due at closing. Uses and sources reconcile at $512,536.78 each. Not a Closing Disclosure.