Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,128Cash toward the purchase price.
Closing costs + prepaids$13,656Not just lender fees.
Before credits & paid funds$19,784The complete starting cash picture.
Estimated remaining funds due at closing
$19,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,127.74
Your down payment$6,127.74
Closing costs + prepaids$13,655.79
Total buyer cash needed$19,783.53
Remaining funds due$19,783.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$902.25
Initial HOA (3 months)$5.01
Prepaid interest, first (25 days)$1,023.53
Fees + prepaids$13,655.79
Your down payment is the seller’s equity. You take over the $518,872 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $19,783.53 is due at closing. Uses and sources reconcile at $538,655.79 each. Not a Closing Disclosure.