Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$19,523Cash toward the purchase price.
Closing costs + prepaids$14,837Not just lender fees.
Before credits & paid funds$34,359The complete starting cash picture.
Estimated remaining funds due at closing
$34,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,522.77
Your down payment$19,522.77
Closing costs + prepaids$14,836.60
Total buyer cash needed$34,359.37
Remaining funds due$34,359.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$601.50
Initial HOA (3 months)$459.00
Prepaid interest, first (21 days)$2,201.10
Fees + prepaids$14,836.60
Your down payment is the seller’s equity. You take over the $490,477 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $34,359.37 is due at closing. Uses and sources reconcile at $524,836.60 each. Not a Closing Disclosure.