Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$3,530Cash toward the purchase price.
Closing costs + prepaids$15,075Not just lender fees.
Before credits & paid funds$18,605The complete starting cash picture.
Estimated remaining funds due at closing
$18,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,530.41
Your down payment$3,530.41
Closing costs + prepaids$15,074.86
Total buyer cash needed$18,605.27
Remaining funds due$18,605.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,374.00
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$1,825.86
Fees + prepaids$15,074.86
Your down payment is the seller’s equity. You take over the $521,470 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $18,605.27 is due at closing. Uses and sources reconcile at $540,074.86 each. Not a Closing Disclosure.