Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,379Cash toward the purchase price.
Closing costs + prepaids$14,980Not just lender fees.
Before credits & paid funds$33,359The complete starting cash picture.
Estimated remaining funds due at closing
$33,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,379.04
Your down payment$18,379.04
Closing costs + prepaids$14,979.55
Total buyer cash needed$33,358.59
Remaining funds due$33,358.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,340.00
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)$19.25
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$2,890.30
Fees + prepaids$14,979.55
Your down payment is the seller’s equity. You take over the $515,621 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $33,358.59 is due at closing. Uses and sources reconcile at $548,979.55 each. Not a Closing Disclosure.