Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$24,326Cash toward the purchase price.
Closing costs + prepaids$13,046Not just lender fees.
Before credits & paid funds$37,373The complete starting cash picture.
Estimated remaining funds due at closing
$37,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,326.23
Your down payment$24,326.23
Closing costs + prepaids$13,046.36
Total buyer cash needed$37,372.59
Remaining funds due$37,372.59
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 (9 days)$803.36
Fees + prepaids$13,046.36
Your down payment is the seller’s equity. You take over the $490,674 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $37,372.59 is due at closing. Uses and sources reconcile at $528,046.36 each. Not a Closing Disclosure.