Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,645Cash toward the purchase price.
Closing costs + prepaids$17,796Not just lender fees.
Before credits & paid funds$39,441The complete starting cash picture.
Estimated remaining funds due at closing
$39,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,645.37
Your down payment$21,645.37
Closing costs + prepaids$17,795.61
Total buyer cash needed$39,440.97
Remaining funds due$39,440.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.95
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)$1,325.00
Initial HOA (3 months)$1,695.00
Prepaid interest, first (31 days)$3,000.66
Fees + prepaids$17,795.61
Your down payment is the seller’s equity. You take over the $508,350 balance, so the rest of the $529,995 price is paid at closing. A second mortgage can cover part of it. $39,440.97 is due at closing. Uses and sources reconcile at $547,790.61 each. Not a Closing Disclosure.