Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,217Cash toward the purchase price.
Closing costs + prepaids$16,055Not just lender fees.
Before credits & paid funds$31,272The complete starting cash picture.
Estimated remaining funds due at closing
$31,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,217.31
Your down payment$15,217.31
Closing costs + prepaids$16,055.07
Total buyer cash needed$31,272.38
Remaining funds due$31,272.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,437.40
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)$1,250.00
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$2,742.67
Fees + prepaids$16,055.07
Your down payment is the seller’s equity. You take over the $528,523 balance, so the rest of the $543,740 price is paid at closing. A second mortgage can cover part of it. $31,272.38 is due at closing. Uses and sources reconcile at $559,795.07 each. Not a Closing Disclosure.