Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,976Cash toward the purchase price.
Closing costs + prepaids$17,167Not just lender fees.
Before credits & paid funds$36,143The complete starting cash picture.
Estimated remaining funds due at closing
$36,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,975.88
Your down payment$18,975.88
Closing costs + prepaids$17,167.47
Total buyer cash needed$36,143.35
Remaining funds due$36,143.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,688.50
Initial HOA (3 months)$288.00
Prepaid interest, first (30 days)$2,965.97
Fees + prepaids$17,167.47
Your down payment is the seller’s equity. You take over the $556,024 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $36,143.35 is due at closing. Uses and sources reconcile at $592,167.47 each. Not a Closing Disclosure.