Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$8,448Cash toward the purchase price.
Closing costs + prepaids$14,431Not just lender fees.
Before credits & paid funds$22,879The complete starting cash picture.
Estimated remaining funds due at closing
$22,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,447.72
Your down payment$8,447.72
Closing costs + prepaids$14,431.30
Total buyer cash needed$22,879.02
Remaining funds due$22,879.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$632.25
Initial HOA (3 months)$20.01
Prepaid interest, first (18 days)$1,805.04
Fees + prepaids$14,431.30
Your down payment is the seller’s equity. You take over the $541,452 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $22,879.02 is due at closing. Uses and sources reconcile at $564,331.30 each. Not a Closing Disclosure.