Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$17,207Cash toward the purchase price.
Closing costs + prepaids$14,590Not just lender fees.
Before credits & paid funds$31,797The complete starting cash picture.
Estimated remaining funds due at closing
$31,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,207.46
Your down payment$17,207.46
Closing costs + prepaids$14,589.98
Total buyer cash needed$31,797.44
Remaining funds due$31,797.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$95.25
Initial HOA (3 months)$417.00
Prepaid interest, first (27 days)$2,412.73
Fees + prepaids$14,589.98
Your down payment is the seller’s equity. You take over the $501,793 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $31,797.44 is due at closing. Uses and sources reconcile at $533,589.98 each. Not a Closing Disclosure.