Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$25,105Cash toward the purchase price.
Closing costs + prepaids$13,902Not just lender fees.
Before credits & paid funds$39,008The complete starting cash picture.
Estimated remaining funds due at closing
$39,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,105.41
Your down payment$25,105.41
Closing costs + prepaids$13,902.15
Total buyer cash needed$39,007.56
Remaining funds due$39,007.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$448.75
Initial HOA (3 months)$342.00
Prepaid interest, first (19 days)$1,687.40
Fees + prepaids$13,902.15
Your down payment is the seller’s equity. You take over the $469,795 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $39,007.56 is due at closing. Uses and sources reconcile at $508,802.15 each. Not a Closing Disclosure.