Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$20,325Cash toward the purchase price.
Closing costs + prepaids$12,974Not just lender fees.
Before credits & paid funds$33,299The complete starting cash picture.
Estimated remaining funds due at closing
$33,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,324.68
Your down payment$20,324.68
Closing costs + prepaids$12,974.16
Total buyer cash needed$33,298.84
Remaining funds due$33,298.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.00
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)$1,236.50
Prepaid interest, first (5 days)$413.66
Fees + prepaids$12,974.16
Your down payment is the seller’s equity. You take over the $464,575 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $33,298.84 is due at closing. Uses and sources reconcile at $497,874.16 each. Not a Closing Disclosure.