Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$21,645Cash toward the purchase price.
Closing costs + prepaids$16,924Not just lender fees.
Before credits & paid funds$38,570The complete starting cash picture.
Estimated remaining funds due at closing
$38,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,645.37
Your down payment$21,645.37
Closing costs + prepaids$16,924.45
Total buyer cash needed$38,569.81
Remaining funds due$38,569.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.95
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)$1,325.00
Initial HOA (3 months)$1,695.00
Prepaid interest, first (22 days)$2,129.50
Fees + prepaids$16,924.45
Your down payment is the seller’s equity. You take over the $508,350 balance, so the rest of the $529,995 price is paid at closing. A second mortgage can cover part of it. $38,569.81 is due at closing. Uses and sources reconcile at $546,919.45 each. Not a Closing Disclosure.