Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,207Cash toward the purchase price.
Closing costs + prepaids$14,947Not just lender fees.
Before credits & paid funds$32,155The complete starting cash picture.
Estimated remaining funds due at closing
$32,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,207.46
Your down payment$17,207.46
Closing costs + prepaids$14,947.42
Total buyer cash needed$32,154.88
Remaining funds due$32,154.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$95.25
Initial HOA (3 months)$417.00
Prepaid interest, first (31 days)$2,770.17
Fees + prepaids$14,947.42
Your down payment is the seller’s equity. You take over the $501,793 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $32,154.88 is due at closing. Uses and sources reconcile at $533,947.42 each. Not a Closing Disclosure.