Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$7,530Cash toward the purchase price.
Closing costs + prepaids$16,231Not just lender fees.
Before credits & paid funds$23,761The complete starting cash picture.
Estimated remaining funds due at closing
$23,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,530.41
Your down payment$7,530.41
Closing costs + prepaids$16,230.66
Total buyer cash needed$23,761.07
Remaining funds due$23,761.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$1,374.00
Initial HOA (3 months)$150.00
Prepaid interest, first (29 days)$2,941.66
Fees + prepaids$16,230.66
Your down payment is the seller’s equity. You take over the $521,470 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $23,761.07 is due at closing. Uses and sources reconcile at $545,230.66 each. Not a Closing Disclosure.