Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,612Cash toward the purchase price.
Closing costs + prepaids$12,732Not just lender fees.
Before credits & paid funds$37,344The complete starting cash picture.
Estimated remaining funds due at closing
$37,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,612.38
Your down payment$24,612.38
Closing costs + prepaids$12,731.85
Total buyer cash needed$37,344.22
Remaining funds due$37,344.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.90
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)$553.50
Initial HOA (3 months)$459.00
Prepaid interest, first (1 days)$94.45
Fees + prepaids$12,731.85
Your down payment is the seller’s equity. You take over the $490,378 balance, so the rest of the $514,990 price is paid at closing. A second mortgage can cover part of it. $37,344.22 is due at closing. Uses and sources reconcile at $527,721.85 each. Not a Closing Disclosure.