Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,685Cash toward the purchase price.
Closing costs + prepaids$12,267Not just lender fees.
Before credits & paid funds$28,952The complete starting cash picture.
Estimated remaining funds due at closing
$28,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,685.05
Your down payment$16,685.05
Closing costs + prepaids$12,266.70
Total buyer cash needed$28,951.75
Remaining funds due$28,951.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$95.25
Initial HOA (3 months)$417.00
Prepaid interest, first (1 days)$89.45
Fees + prepaids$12,266.70
Your down payment is the seller’s equity. You take over the $502,315 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $28,951.75 is due at closing. Uses and sources reconcile at $531,266.70 each. Not a Closing Disclosure.