Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,976Cash toward the purchase price.
Closing costs + prepaids$16,475Not just lender fees.
Before credits & paid funds$35,451The complete starting cash picture.
Estimated remaining funds due at closing
$35,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,975.88
Your down payment$18,975.88
Closing costs + prepaids$16,475.41
Total buyer cash needed$35,451.29
Remaining funds due$35,451.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,688.50
Initial HOA (3 months)$288.00
Prepaid interest, first (23 days)$2,273.91
Fees + prepaids$16,475.41
Your down payment is the seller’s equity. You take over the $556,024 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $35,451.29 is due at closing. Uses and sources reconcile at $591,475.41 each. Not a Closing Disclosure.