Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$18,358Cash toward the purchase price.
Closing costs + prepaids$14,753Not just lender fees.
Before credits & paid funds$33,110The complete starting cash picture.
Estimated remaining funds due at closing
$33,110No 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$14,752.57
Total buyer cash needed$33,110.39
Remaining funds due$33,110.39
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 (21 days)$2,032.83
Fees + prepaids$14,752.57
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. $33,110.39 is due at closing. Uses and sources reconcile at $530,751.57 each. Not a Closing Disclosure.