Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$17,568Cash toward the purchase price.
Closing costs + prepaids$18,279Not just lender fees.
Before credits & paid funds$35,847The complete starting cash picture.
Estimated remaining funds due at closing
$35,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,567.98
Your down payment$17,567.98
Closing costs + prepaids$18,278.76
Total buyer cash needed$35,846.73
Remaining funds due$35,846.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,579.00
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)$1,394.75
Initial HOA (3 months)$2,343.00
Prepaid interest, first (25 days)$2,487.01
Fees + prepaids$18,278.76
Your down payment is the seller’s equity. You take over the $540,332 balance, so the rest of the $557,900 price is paid at closing. A second mortgage can cover part of it. $35,846.73 is due at closing. Uses and sources reconcile at $576,178.76 each. Not a Closing Disclosure.