Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,480Cash toward the purchase price.
Closing costs + prepaids$15,913Not just lender fees.
Before credits & paid funds$32,394The complete starting cash picture.
Estimated remaining funds due at closing
$32,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,480.37
Your down payment$16,480.37
Closing costs + prepaids$15,913.23
Total buyer cash needed$32,393.61
Remaining funds due$32,393.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,450.00
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)$1,362.50
Initial HOA (3 months)$186.00
Prepaid interest, first (29 days)$2,439.73
Fees + prepaids$15,913.23
Your down payment is the seller’s equity. You take over the $528,520 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $32,393.61 is due at closing. Uses and sources reconcile at $560,913.23 each. Not a Closing Disclosure.