Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,336Cash toward the purchase price.
Closing costs + prepaids$15,750Not just lender fees.
Before credits & paid funds$35,087The complete starting cash picture.
Estimated remaining funds due at closing
$35,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,336.49
Your down payment$19,336.49
Closing costs + prepaids$15,750.45
Total buyer cash needed$35,086.94
Remaining funds due$35,086.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.95
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)$1,350.00
Initial HOA (3 months)$741.00
Prepaid interest, first (18 days)$1,784.50
Fees + prepaids$15,750.45
Your down payment is the seller’s equity. You take over the $520,659 balance, so the rest of the $539,995 price is paid at closing. A second mortgage can cover part of it. $35,086.94 is due at closing. Uses and sources reconcile at $555,745.45 each. Not a Closing Disclosure.