Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$556Cash toward the purchase price.
Closing costs + prepaids$17,360Not just lender fees.
Before credits & paid funds$17,916The complete starting cash picture.
Estimated remaining funds due at closing
$17,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$556.10
Your down payment$556.10
Closing costs + prepaids$17,359.84
Total buyer cash needed$17,915.94
Remaining funds due$17,915.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
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)$2,208.00
Prepaid interest, first (30 days)$3,376.84
Fees + prepaids$17,359.84
Your down payment is the seller’s equity. You take over the $529,444 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $17,915.94 is due at closing. Uses and sources reconcile at $547,359.84 each. Not a Closing Disclosure.