Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,875Cash toward the purchase price.
Closing costs + prepaids$15,716Not just lender fees.
Before credits & paid funds$42,591The complete starting cash picture.
Estimated remaining funds due at closing
$42,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,874.73
Your down payment$26,874.73
Closing costs + prepaids$15,715.87
Total buyer cash needed$42,590.60
Remaining funds due$42,590.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.00
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)$1,527.50
Initial HOA (3 months)$1,083.00
Prepaid interest, first (23 days)$1,081.37
Fees + prepaids$15,715.87
Your down payment is the seller’s equity. You take over the $528,025 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $42,590.60 is due at closing. Uses and sources reconcile at $570,615.87 each. Not a Closing Disclosure.