Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$24,415Cash toward the purchase price.
Closing costs + prepaids$12,878Not just lender fees.
Before credits & paid funds$37,293The complete starting cash picture.
Estimated remaining funds due at closing
$37,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,415.09
Your down payment$24,415.09
Closing costs + prepaids$12,878.35
Total buyer cash needed$37,293.44
Remaining funds due$37,293.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$630.00
Prepaid interest, first (6 days)$523.35
Fees + prepaids$12,878.35
Your down payment is the seller’s equity. You take over the $500,585 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $37,293.44 is due at closing. Uses and sources reconcile at $537,878.35 each. Not a Closing Disclosure.