Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$4,188Cash toward the purchase price.
Closing costs + prepaids$15,897Not just lender fees.
Before credits & paid funds$20,084The complete starting cash picture.
Estimated remaining funds due at closing
$20,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,187.61
Your down payment$4,187.61
Closing costs + prepaids$15,896.82
Total buyer cash needed$20,084.44
Remaining funds due$20,084.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.99
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)$729.75
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$2,642.08
Fees + prepaids$15,896.82
Your down payment is the seller’s equity. You take over the $510,811 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $20,084.44 is due at closing. Uses and sources reconcile at $530,895.82 each. Not a Closing Disclosure.