Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$11,752Cash toward the purchase price.
Closing costs + prepaids$15,531Not just lender fees.
Before credits & paid funds$27,283The complete starting cash picture.
Estimated remaining funds due at closing
$27,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,751.95
Your down payment$11,751.95
Closing costs + prepaids$15,530.59
Total buyer cash needed$27,282.54
Remaining funds due$27,282.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.90
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)$1,300.00
Initial HOA (3 months)$474.00
Prepaid interest, first (23 days)$2,081.69
Fees + prepaids$15,530.59
Your down payment is the seller’s equity. You take over the $508,238 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $27,282.54 is due at closing. Uses and sources reconcile at $535,520.59 each. Not a Closing Disclosure.