Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,842Cash toward the purchase price.
Closing costs + prepaids$15,859Not just lender fees.
Before credits & paid funds$41,701The complete starting cash picture.
Estimated remaining funds due at closing
$41,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,842.01
Your down payment$25,842.01
Closing costs + prepaids$15,858.62
Total buyer cash needed$41,700.63
Remaining funds due$41,700.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,060.00
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)$1,681.00
Initial HOA (3 months)$180.00
Prepaid interest, first (26 days)$2,462.62
Fees + prepaids$15,858.62
Your down payment is the seller’s equity. You take over the $480,158 balance, so the rest of the $506,000 price is paid at closing. A second mortgage can cover part of it. $41,700.63 is due at closing. Uses and sources reconcile at $521,858.62 each. Not a Closing Disclosure.