Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$21,510Cash toward the purchase price.
Closing costs + prepaids$13,554Not just lender fees.
Before credits & paid funds$35,063The complete starting cash picture.
Estimated remaining funds due at closing
$35,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,509.60
Your down payment$21,509.60
Closing costs + prepaids$13,553.73
Total buyer cash needed$35,063.33
Remaining funds due$35,063.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$610.50
Initial HOA (3 months)$165.00
Prepaid interest, first (18 days)$1,413.23
Fees + prepaids$13,553.73
Your down payment is the seller’s equity. You take over the $467,490 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $35,063.33 is due at closing. Uses and sources reconcile at $502,553.73 each. Not a Closing Disclosure.