Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,430Cash toward the purchase price.
Closing costs + prepaids$16,325Not just lender fees.
Before credits & paid funds$27,755The complete starting cash picture.
Estimated remaining funds due at closing
$27,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,430.02
Your down payment$11,430.02
Closing costs + prepaids$16,325.27
Total buyer cash needed$27,755.29
Remaining funds due$27,755.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,327.50
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)$1,332.00
Initial HOA (3 months)$1,422.00
Prepaid interest, first (24 days)$1,768.77
Fees + prepaids$16,325.27
Your down payment is the seller’s equity. You take over the $521,320 balance, so the rest of the $532,750 price is paid at closing. A second mortgage can cover part of it. $27,755.29 is due at closing. Uses and sources reconcile at $549,075.27 each. Not a Closing Disclosure.