Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,624Cash toward the purchase price.
Closing costs + prepaids$12,402Not just lender fees.
Before credits & paid funds$37,026The complete starting cash picture.
Estimated remaining funds due at closing
$37,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,624.33
Your down payment$24,624.33
Closing costs + prepaids$12,401.73
Total buyer cash needed$37,026.06
Remaining funds due$37,026.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$646.50
Initial HOA (3 months)$194.01
Prepaid interest, first (1 days)$86.22
Fees + prepaids$12,401.73
Your down payment is the seller’s equity. You take over the $475,376 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $37,026.06 is due at closing. Uses and sources reconcile at $512,401.73 each. Not a Closing Disclosure.