Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$22,391Cash toward the purchase price.
Closing costs + prepaids$13,441Not just lender fees.
Before credits & paid funds$35,833The complete starting cash picture.
Estimated remaining funds due at closing
$35,833No 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$13,441.47
Total buyer cash needed$35,832.60
Remaining funds due$35,832.60
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 (20 days)$1,672.22
Fees + prepaids$13,441.47
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. $35,832.60 is due at closing. Uses and sources reconcile at $495,441.47 each. Not a Closing Disclosure.