Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$22,487Cash toward the purchase price.
Closing costs + prepaids$13,059Not just lender fees.
Before credits & paid funds$35,546The complete starting cash picture.
Estimated remaining funds due at closing
$35,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,486.97
Your down payment$22,486.97
Closing costs + prepaids$13,058.74
Total buyer cash needed$35,545.71
Remaining funds due$35,545.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,310.00
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)$637.25
Initial HOA (3 months)$99.00
Prepaid interest, first (6 days)$537.49
Fees + prepaids$13,058.74
Your down payment is the seller’s equity. You take over the $508,513 balance, so the rest of the $531,000 price is paid at closing. A second mortgage can cover part of it. $35,545.71 is due at closing. Uses and sources reconcile at $544,058.74 each. Not a Closing Disclosure.