Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,391Cash toward the purchase price.
Closing costs + prepaids$14,027Not just lender fees.
Before credits & paid funds$36,418The complete starting cash picture.
Estimated remaining funds due at closing
$36,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,391.13
Your down payment$22,391.13
Closing costs + prepaids$14,026.75
Total buyer cash needed$36,417.88
Remaining funds due$36,417.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$9.25
Initial HOA (3 months)$465.00
Prepaid interest, first (27 days)$2,257.50
Fees + prepaids$14,026.75
Your down payment is the seller’s equity. You take over the $459,609 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $36,417.88 is due at closing. Uses and sources reconcile at $496,026.75 each. Not a Closing Disclosure.