Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,112Cash toward the purchase price.
Closing costs + prepaids$15,562Not just lender fees.
Before credits & paid funds$40,674The complete starting cash picture.
Estimated remaining funds due at closing
$40,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,111.67
Your down payment$25,111.67
Closing costs + prepaids$15,562.31
Total buyer cash needed$40,673.98
Remaining funds due$40,673.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.90
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)$553.50
Initial HOA (3 months)$459.00
Prepaid interest, first (31 days)$2,924.91
Fees + prepaids$15,562.31
Your down payment is the seller’s equity. You take over the $489,878 balance, so the rest of the $514,990 price is paid at closing. A second mortgage can cover part of it. $40,673.98 is due at closing. Uses and sources reconcile at $530,552.31 each. Not a Closing Disclosure.