Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,472Cash toward the purchase price.
Closing costs + prepaids$13,021Not just lender fees.
Before credits & paid funds$33,493The complete starting cash picture.
Estimated remaining funds due at closing
$33,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,471.99
Your down payment$20,471.99
Closing costs + prepaids$13,020.65
Total buyer cash needed$33,492.64
Remaining funds due$33,492.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,195.00
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)$663.00
Initial HOA (3 months)$594.00
Prepaid interest, first (1 days)$93.65
Fees + prepaids$13,020.65
Your down payment is the seller’s equity. You take over the $499,028 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $33,492.64 is due at closing. Uses and sources reconcile at $532,520.65 each. Not a Closing Disclosure.