Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$22,479Cash toward the purchase price.
Closing costs + prepaids$16,621Not just lender fees.
Before credits & paid funds$39,100The complete starting cash picture.
Estimated remaining funds due at closing
$39,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,478.71
Your down payment$22,478.71
Closing costs + prepaids$16,621.49
Total buyer cash needed$39,100.20
Remaining funds due$39,100.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,355.00
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)$1,606.50
Initial HOA (3 months)$1,467.00
Prepaid interest, first (17 days)$1,717.99
Fees + prepaids$16,621.49
Your down payment is the seller’s equity. You take over the $513,021 balance, so the rest of the $535,500 price is paid at closing. A second mortgage can cover part of it. $39,100.20 is due at closing. Uses and sources reconcile at $552,121.49 each. Not a Closing Disclosure.