Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$4,117Cash toward the purchase price.
Closing costs + prepaids$14,132Not just lender fees.
Before credits & paid funds$18,249The complete starting cash picture.
Estimated remaining funds due at closing
$18,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,117.24
Your down payment$4,117.24
Closing costs + prepaids$14,132.12
Total buyer cash needed$18,249.36
Remaining funds due$18,249.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$661.25
Initial HOA (3 months)$162.00
Prepaid interest, first (16 days)$1,543.87
Fees + prepaids$14,132.12
Your down payment is the seller’s equity. You take over the $524,883 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $18,249.36 is due at closing. Uses and sources reconcile at $543,132.12 each. Not a Closing Disclosure.