Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,482Cash toward the purchase price.
Closing costs + prepaids$17,153Not just lender fees.
Before credits & paid funds$45,635The complete starting cash picture.
Estimated remaining funds due at closing
$45,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,482.12
Your down payment$28,482.12
Closing costs + prepaids$17,153.13
Total buyer cash needed$45,635.26
Remaining funds due$45,635.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,539.99
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)$713.00
Initial HOA (3 months)$1,524.00
Prepaid interest, first (31 days)$2,901.14
Fees + prepaids$17,153.13
Your down payment is the seller’s equity. You take over the $525,517 balance, so the rest of the $553,999 price is paid at closing. A second mortgage can cover part of it. $45,635.26 is due at closing. Uses and sources reconcile at $571,152.13 each. Not a Closing Disclosure.