Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,290Cash toward the purchase price.
Closing costs + prepaids$15,488Not just lender fees.
Before credits & paid funds$33,778The complete starting cash picture.
Estimated remaining funds due at closing
$33,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,289.90
Your down payment$18,289.90
Closing costs + prepaids$15,488.29
Total buyer cash needed$33,778.18
Remaining funds due$33,778.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$68.75
Initial HOA (3 months)$354.00
Prepaid interest, first (31 days)$2,990.54
Fees + prepaids$15,488.29
Your down payment is the seller’s equity. You take over the $541,710 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $33,778.18 is due at closing. Uses and sources reconcile at $575,488.29 each. Not a Closing Disclosure.