Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,480Cash toward the purchase price.
Closing costs + prepaids$14,988Not just lender fees.
Before credits & paid funds$31,468The complete starting cash picture.
Estimated remaining funds due at closing
$31,468No 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$14,987.82
Total buyer cash needed$31,468.19
Remaining funds due$31,468.19
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 (18 days)$1,514.32
Fees + prepaids$14,987.82
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. $31,468.19 is due at closing. Uses and sources reconcile at $559,987.82 each. Not a Closing Disclosure.