Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,358Cash toward the purchase price.
Closing costs + prepaids$15,721Not just lender fees.
Before credits & paid funds$34,078The complete starting cash picture.
Estimated remaining funds due at closing
$34,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,357.82
Your down payment$18,357.82
Closing costs + prepaids$15,720.58
Total buyer cash needed$34,078.40
Remaining funds due$34,078.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,159.99
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)$625.75
Initial HOA (3 months)$459.00
Prepaid interest, first (31 days)$3,000.84
Fees + prepaids$15,720.58
Your down payment is the seller’s equity. You take over the $497,641 balance, so the rest of the $515,999 price is paid at closing. A second mortgage can cover part of it. $34,078.40 is due at closing. Uses and sources reconcile at $531,719.58 each. Not a Closing Disclosure.