Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,672Cash toward the purchase price.
Closing costs + prepaids$15,290Not just lender fees.
Before credits & paid funds$39,962The complete starting cash picture.
Estimated remaining funds due at closing
$39,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,671.69
Your down payment$24,671.69
Closing costs + prepaids$15,289.82
Total buyer cash needed$39,961.52
Remaining funds due$39,961.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$610.75
Initial HOA (3 months)$393.00
Prepaid interest, first (31 days)$2,661.07
Fees + prepaids$15,289.82
Your down payment is the seller’s equity. You take over the $490,328 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $39,961.52 is due at closing. Uses and sources reconcile at $530,289.82 each. Not a Closing Disclosure.