Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$21,640Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$34,426The complete starting cash picture.
Estimated remaining funds due at closing
$34,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,640.27
Your down payment$21,640.27
Closing costs + prepaids$12,785.56
Total buyer cash needed$34,425.83
Remaining funds due$34,425.83
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 (6 days)$542.56
Fees + prepaids$12,785.56
Your down payment is the seller’s equity. You take over the $493,360 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $34,425.83 is due at closing. Uses and sources reconcile at $527,785.56 each. Not a Closing Disclosure.