Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$10,272Cash toward the purchase price.
Closing costs + prepaids$13,600Not just lender fees.
Before credits & paid funds$23,872The complete starting cash picture.
Estimated remaining funds due at closing
$23,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,271.70
Your down payment$10,271.70
Closing costs + prepaids$13,600.20
Total buyer cash needed$23,871.90
Remaining funds due$23,871.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$636.00
Initial HOA (3 months)$215.01
Prepaid interest, first (10 days)$975.19
Fees + prepaids$13,600.20
Your down payment is the seller’s equity. You take over the $519,628 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $23,871.90 is due at closing. Uses and sources reconcile at $543,500.20 each. Not a Closing Disclosure.