Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$33,136Cash toward the purchase price.
Closing costs + prepaids$22,321Not just lender fees.
Before credits & paid funds$55,458The complete starting cash picture.
Estimated remaining funds due at closing
$55,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,136.44
Your down payment$33,136.44
Closing costs + prepaids$22,321.21
Total buyer cash needed$55,457.66
Remaining funds due$55,457.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,087.50
Initial HOA (3 months)$645.00
Prepaid interest, first (29 days)$4,013.71
Fees + prepaids$22,321.21
Your down payment is the seller’s equity. You take over the $801,864 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $55,457.66 is due at closing. Uses and sources reconcile at $857,321.21 each. Not a Closing Disclosure.