Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,523Cash toward the purchase price.
Closing costs + prepaids$15,074Not just lender fees.
Before credits & paid funds$39,597The complete starting cash picture.
Estimated remaining funds due at closing
$39,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,523.16
Your down payment$24,523.16
Closing costs + prepaids$15,073.74
Total buyer cash needed$39,596.90
Remaining funds due$39,596.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
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)$1,111.50
Initial HOA (3 months)$91.26
Prepaid interest, first (26 days)$2,115.98
Fees + prepaids$15,073.74
Your down payment is the seller’s equity. You take over the $503,477 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $39,596.90 is due at closing. Uses and sources reconcile at $543,073.74 each. Not a Closing Disclosure.