Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$12,853Cash toward the purchase price.
Closing costs + prepaids$12,819Not just lender fees.
Before credits & paid funds$25,672The complete starting cash picture.
Estimated remaining funds due at closing
$25,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,852.96
Your down payment$12,852.96
Closing costs + prepaids$12,819.44
Total buyer cash needed$25,672.40
Remaining funds due$25,672.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$16.00
Initial HOA (3 months)$261.00
Prepaid interest, first (20 days)$1,067.45
Fees + prepaids$12,819.44
Your down payment is the seller’s equity. You take over the $487,146 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $25,672.40 is due at closing. Uses and sources reconcile at $512,818.44 each. Not a Closing Disclosure.