Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,758Cash toward the purchase price.
Closing costs + prepaids$14,845Not just lender fees.
Before credits & paid funds$25,603The complete starting cash picture.
Estimated remaining funds due at closing
$25,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,758.45
Your down payment$10,758.45
Closing costs + prepaids$14,844.52
Total buyer cash needed$25,602.97
Remaining funds due$25,602.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,980.00
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)$548.50
Initial HOA (3 months)$282.00
Prepaid interest, first (27 days)$2,559.02
Fees + prepaids$14,844.52
Your down payment is the seller’s equity. You take over the $487,242 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $25,602.97 is due at closing. Uses and sources reconcile at $512,844.52 each. Not a Closing Disclosure.