Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$818Cash toward the purchase price.
Closing costs + prepaids$15,525Not just lender fees.
Before credits & paid funds$16,343The complete starting cash picture.
Estimated remaining funds due at closing
$16,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$817.60
Your down payment$817.60
Closing costs + prepaids$15,525.42
Total buyer cash needed$16,343.02
Remaining funds due$16,343.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,376.00
Initial HOA (3 months)$261.00
Prepaid interest, first (23 days)$2,214.42
Fees + prepaids$15,525.42
Your down payment is the seller’s equity. You take over the $519,082 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $16,343.02 is due at closing. Uses and sources reconcile at $535,425.42 each. Not a Closing Disclosure.