Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$17,207Cash toward the purchase price.
Closing costs + prepaids$14,769Not just lender fees.
Before credits & paid funds$31,976The complete starting cash picture.
Estimated remaining funds due at closing
$31,976No 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$14,768.70
Total buyer cash needed$31,976.16
Remaining funds due$31,976.16
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 (29 days)$2,591.45
Fees + prepaids$14,768.70
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. $31,976.16 is due at closing. Uses and sources reconcile at $533,768.70 each. Not a Closing Disclosure.