Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,452Cash toward the purchase price.
Closing costs + prepaids$15,692Not just lender fees.
Before credits & paid funds$27,145The complete starting cash picture.
Estimated remaining funds due at closing
$27,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,452.04
Your down payment$11,452.04
Closing costs + prepaids$15,692.50
Total buyer cash needed$27,144.54
Remaining funds due$27,144.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$864.25
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$3,002.25
Fees + prepaids$15,692.50
Your down payment is the seller’s equity. You take over the $503,548 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $27,144.54 is due at closing. Uses and sources reconcile at $530,692.50 each. Not a Closing Disclosure.