Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$21,413Cash toward the purchase price.
Closing costs + prepaids$13,343Not just lender fees.
Before credits & paid funds$34,756The complete starting cash picture.
Estimated remaining funds due at closing
$34,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,413.27
Your down payment$21,413.27
Closing costs + prepaids$13,343.23
Total buyer cash needed$34,756.50
Remaining funds due$34,756.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$618.00
Prepaid interest, first (12 days)$1,100.23
Fees + prepaids$13,343.23
Your down payment is the seller’s equity. You take over the $493,587 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $34,756.50 is due at closing. Uses and sources reconcile at $528,343.23 each. Not a Closing Disclosure.