Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,015Cash toward the purchase price.
Closing costs + prepaids$13,756Not just lender fees.
Before credits & paid funds$39,771The complete starting cash picture.
Estimated remaining funds due at closing
$39,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,015.12
Your down payment$26,015.12
Closing costs + prepaids$13,756.14
Total buyer cash needed$39,771.26
Remaining funds due$39,771.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,050.00
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)$606.00
Prepaid interest, first (18 days)$1,625.14
Fees + prepaids$13,756.14
Your down payment is the seller’s equity. You take over the $478,985 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $39,771.26 is due at closing. Uses and sources reconcile at $518,756.14 each. Not a Closing Disclosure.