Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,379Cash toward the purchase price.
Closing costs + prepaids$14,607Not just lender fees.
Before credits & paid funds$32,986The complete starting cash picture.
Estimated remaining funds due at closing
$32,986No 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$14,606.61
Total buyer cash needed$32,985.65
Remaining funds due$32,985.65
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 (27 days)$2,517.36
Fees + prepaids$14,606.61
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. $32,985.65 is due at closing. Uses and sources reconcile at $548,606.61 each. Not a Closing Disclosure.