Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,368Cash toward the purchase price.
Closing costs + prepaids$15,073Not just lender fees.
Before credits & paid funds$40,441The complete starting cash picture.
Estimated remaining funds due at closing
$40,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,367.50
Your down payment$25,367.50
Closing costs + prepaids$15,073.50
Total buyer cash needed$40,441.00
Remaining funds due$40,441.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,220.00
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)$848.25
Initial HOA (3 months)$375.00
Prepaid interest, first (24 days)$2,155.25
Fees + prepaids$15,073.50
Your down payment is the seller’s equity. You take over the $496,632 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $40,441.00 is due at closing. Uses and sources reconcile at $537,073.50 each. Not a Closing Disclosure.