Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$20,797Cash toward the purchase price.
Closing costs + prepaids$15,575Not just lender fees.
Before credits & paid funds$36,372The complete starting cash picture.
Estimated remaining funds due at closing
$36,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,797.02
Your down payment$20,797.02
Closing costs + prepaids$15,575.39
Total buyer cash needed$36,372.41
Remaining funds due$36,372.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$736.75
Initial HOA (3 months)$534.00
Prepaid interest, first (29 days)$2,629.64
Fees + prepaids$15,575.39
Your down payment is the seller’s equity. You take over the $499,203 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $36,372.41 is due at closing. Uses and sources reconcile at $535,575.39 each. Not a Closing Disclosure.