Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$20,159Cash toward the purchase price.
Closing costs + prepaids$16,860Not just lender fees.
Before credits & paid funds$37,020The complete starting cash picture.
Estimated remaining funds due at closing
$37,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,159.42
Your down payment$20,159.42
Closing costs + prepaids$16,860.36
Total buyer cash needed$37,019.78
Remaining funds due$37,019.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$1,875.00
Initial HOA (3 months)$243.00
Prepaid interest, first (29 days)$2,818.36
Fees + prepaids$16,860.36
Your down payment is the seller’s equity. You take over the $524,741 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $37,019.78 is due at closing. Uses and sources reconcile at $561,760.36 each. Not a Closing Disclosure.