Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$18,054Cash toward the purchase price.
Closing costs + prepaids$15,674Not just lender fees.
Before credits & paid funds$33,728The complete starting cash picture.
Estimated remaining funds due at closing
$33,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,053.50
Your down payment$18,053.50
Closing costs + prepaids$15,674.43
Total buyer cash needed$33,727.93
Remaining funds due$33,727.93
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)$1,660.00
Prepaid interest, first (25 days)$2,389.43
Fees + prepaids$15,674.43
Your down payment is the seller’s equity. You take over the $496,946 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $33,727.93 is due at closing. Uses and sources reconcile at $530,674.43 each. Not a Closing Disclosure.