Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$3,612Cash toward the purchase price.
Closing costs + prepaids$13,340Not just lender fees.
Before credits & paid funds$16,952The complete starting cash picture.
Estimated remaining funds due at closing
$16,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,611.73
Your down payment$3,611.73
Closing costs + prepaids$13,340.06
Total buyer cash needed$16,951.79
Remaining funds due$16,951.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.99
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)$729.75
Initial HOA (3 months)$900.00
Prepaid interest, first (1 days)$85.32
Fees + prepaids$13,340.06
Your down payment is the seller’s equity. You take over the $511,387 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $16,951.79 is due at closing. Uses and sources reconcile at $528,339.06 each. Not a Closing Disclosure.