Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,588Cash toward the purchase price.
Closing costs + prepaids$16,696Not just lender fees.
Before credits & paid funds$41,284The complete starting cash picture.
Estimated remaining funds due at closing
$41,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,587.52
Your down payment$24,587.52
Closing costs + prepaids$16,696.11
Total buyer cash needed$41,283.62
Remaining funds due$41,283.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$1,964.75
Initial HOA (3 months)$420.00
Prepaid interest, first (26 days)$2,437.36
Fees + prepaids$16,696.11
Your down payment is the seller’s equity. You take over the $515,312 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $41,283.62 is due at closing. Uses and sources reconcile at $556,596.11 each. Not a Closing Disclosure.