Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,008Cash toward the purchase price.
Closing costs + prepaids$15,505Not just lender fees.
Before credits & paid funds$33,513The complete starting cash picture.
Estimated remaining funds due at closing
$33,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,007.94
Your down payment$18,007.94
Closing costs + prepaids$15,505.41
Total buyer cash needed$33,513.35
Remaining funds due$33,513.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$446.00
Prepaid interest, first (31 days)$3,085.41
Fees + prepaids$15,505.41
Your down payment is the seller’s equity. You take over the $531,892 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $33,513.35 is due at closing. Uses and sources reconcile at $565,405.41 each. Not a Closing Disclosure.