Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,801Cash toward the purchase price.
Closing costs + prepaids$12,329Not just lender fees.
Before credits & paid funds$36,131The complete starting cash picture.
Estimated remaining funds due at closing
$36,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,801.30
Your down payment$23,801.30
Closing costs + prepaids$12,329.47
Total buyer cash needed$36,130.77
Remaining funds due$36,130.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$525.75
Prepaid interest, first (2 days)$178.72
Fees + prepaids$12,329.47
Your down payment is the seller’s equity. You take over the $491,199 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $36,130.77 is due at closing. Uses and sources reconcile at $527,329.47 each. Not a Closing Disclosure.