Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,860Cash toward the purchase price.
Closing costs + prepaids$13,008Not just lender fees.
Before credits & paid funds$37,868The complete starting cash picture.
Estimated remaining funds due at closing
$37,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,859.72
Your down payment$24,859.72
Closing costs + prepaids$13,008.14
Total buyer cash needed$37,867.86
Remaining funds due$37,867.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,220.00
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)$848.25
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$89.89
Fees + prepaids$13,008.14
Your down payment is the seller’s equity. You take over the $497,140 balance, so the rest of the $522,000 price is paid at closing. A second mortgage can cover part of it. $37,867.86 is due at closing. Uses and sources reconcile at $535,008.14 each. Not a Closing Disclosure.