Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$20,969Cash toward the purchase price.
Closing costs + prepaids$15,453Not just lender fees.
Before credits & paid funds$36,422The complete starting cash picture.
Estimated remaining funds due at closing
$36,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,968.97
Your down payment$20,968.97
Closing costs + prepaids$15,453.12
Total buyer cash needed$36,422.09
Remaining funds due$36,422.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,195.00
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)$663.00
Initial HOA (3 months)$594.00
Prepaid interest, first (27 days)$2,526.12
Fees + prepaids$15,453.12
Your down payment is the seller’s equity. You take over the $498,531 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $36,422.09 is due at closing. Uses and sources reconcile at $534,953.12 each. Not a Closing Disclosure.