Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,136Cash toward the purchase price.
Closing costs + prepaids$20,799Not just lender fees.
Before credits & paid funds$53,935The complete starting cash picture.
Estimated remaining funds due at closing
$53,935No 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$20,798.77
Total buyer cash needed$53,935.21
Remaining funds due$53,935.21
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 (18 days)$2,491.27
Fees + prepaids$20,798.77
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. $53,935.21 is due at closing. Uses and sources reconcile at $855,798.77 each. Not a Closing Disclosure.