Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,977Cash toward the purchase price.
Closing costs + prepaids$16,222Not just lender fees.
Before credits & paid funds$54,199The complete starting cash picture.
Estimated remaining funds due at closing
$54,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,976.81
Your down payment$37,976.81
Closing costs + prepaids$16,222.28
Total buyer cash needed$54,199.08
Remaining funds due$54,199.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,459.97
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)$1,365.00
Initial HOA (3 months)$888.00
Prepaid interest, first (28 days)$2,034.31
Fees + prepaids$16,222.28
Your down payment is the seller’s equity. You take over the $508,020 balance, so the rest of the $545,997 price is paid at closing. A second mortgage can cover part of it. $54,199.08 is due at closing. Uses and sources reconcile at $562,219.28 each. Not a Closing Disclosure.