Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,606Cash toward the purchase price.
Closing costs + prepaids$15,419Not just lender fees.
Before credits & paid funds$36,026The complete starting cash picture.
Estimated remaining funds due at closing
$36,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,606.45
Your down payment$20,606.45
Closing costs + prepaids$15,419.49
Total buyer cash needed$36,025.94
Remaining funds due$36,025.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,070.00
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)$1,299.50
Initial HOA (3 months)$444.99
Prepaid interest, first (24 days)$2,130.00
Fees + prepaids$15,419.49
Your down payment is the seller’s equity. You take over the $486,394 balance, so the rest of the $507,000 price is paid at closing. A second mortgage can cover part of it. $36,025.94 is due at closing. Uses and sources reconcile at $522,419.49 each. Not a Closing Disclosure.