Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,518Cash toward the purchase price.
Closing costs + prepaids$15,398Not just lender fees.
Before credits & paid funds$48,916The complete starting cash picture.
Estimated remaining funds due at closing
$48,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,518.34
Your down payment$33,518.34
Closing costs + prepaids$15,397.64
Total buyer cash needed$48,915.98
Remaining funds due$48,915.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,370.00
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)$421.25
Initial HOA (3 months)$369.00
Prepaid interest, first (31 days)$2,762.39
Fees + prepaids$15,397.64
Your down payment is the seller’s equity. You take over the $503,482 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $48,915.98 is due at closing. Uses and sources reconcile at $552,397.64 each. Not a Closing Disclosure.