Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,232Cash toward the purchase price.
Closing costs + prepaids$15,341Not just lender fees.
Before credits & paid funds$42,573The complete starting cash picture.
Estimated remaining funds due at closing
$42,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,231.92
Your down payment$27,231.92
Closing costs + prepaids$15,340.94
Total buyer cash needed$42,572.86
Remaining funds due$42,572.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,020.00
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)$1,664.75
Initial HOA (3 months)$67.50
Prepaid interest, first (26 days)$2,113.69
Fees + prepaids$15,340.94
Your down payment is the seller’s equity. You take over the $474,768 balance, so the rest of the $502,000 price is paid at closing. A second mortgage can cover part of it. $42,572.86 is due at closing. Uses and sources reconcile at $517,340.94 each. Not a Closing Disclosure.