Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,523Cash toward the purchase price.
Closing costs + prepaids$16,004Not just lender fees.
Before credits & paid funds$26,527The complete starting cash picture.
Estimated remaining funds due at closing
$26,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,522.84
Your down payment$10,522.84
Closing costs + prepaids$16,003.72
Total buyer cash needed$26,526.56
Remaining funds due$26,526.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,307.25
Initial HOA (3 months)$210.00
Prepaid interest, first (27 days)$2,661.47
Fees + prepaids$16,003.72
Your down payment is the seller’s equity. You take over the $524,477 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $26,526.56 is due at closing. Uses and sources reconcile at $551,003.72 each. Not a Closing Disclosure.