Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$914Cash toward the purchase price.
Closing costs + prepaids$16,685Not just lender fees.
Before credits & paid funds$17,599The complete starting cash picture.
Estimated remaining funds due at closing
$17,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$914.41
Your down payment$914.41
Closing costs + prepaids$16,684.73
Total buyer cash needed$17,599.13
Remaining funds due$17,599.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$1,408.50
Initial HOA (3 months)$783.00
Prepaid interest, first (30 days)$2,769.23
Fees + prepaids$16,684.73
Your down payment is the seller’s equity. You take over the $523,986 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $17,599.13 is due at closing. Uses and sources reconcile at $541,584.73 each. Not a Closing Disclosure.