Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$15,822Cash toward the purchase price.
Closing costs + prepaids$15,493Not just lender fees.
Before credits & paid funds$31,315The complete starting cash picture.
Estimated remaining funds due at closing
$31,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,822.06
Your down payment$15,822.06
Closing costs + prepaids$15,492.59
Total buyer cash needed$31,314.64
Remaining funds due$31,314.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,250.00
Initial HOA (3 months)$612.00
Prepaid interest, first (25 days)$2,155.59
Fees + prepaids$15,492.59
Your down payment is the seller’s equity. You take over the $484,178 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $31,314.64 is due at closing. Uses and sources reconcile at $515,492.59 each. Not a Closing Disclosure.