Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$19,336Cash toward the purchase price.
Closing costs + prepaids$16,841Not just lender fees.
Before credits & paid funds$36,177The complete starting cash picture.
Estimated remaining funds due at closing
$36,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,336.49
Your down payment$19,336.49
Closing costs + prepaids$16,840.98
Total buyer cash needed$36,177.47
Remaining funds due$36,177.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.95
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)$1,350.00
Initial HOA (3 months)$741.00
Prepaid interest, first (29 days)$2,875.03
Fees + prepaids$16,840.98
Your down payment is the seller’s equity. You take over the $520,659 balance, so the rest of the $539,995 price is paid at closing. A second mortgage can cover part of it. $36,177.47 is due at closing. Uses and sources reconcile at $556,835.98 each. Not a Closing Disclosure.