Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$18,350Cash toward the purchase price.
Closing costs + prepaids$14,618Not just lender fees.
Before credits & paid funds$32,967The complete starting cash picture.
Estimated remaining funds due at closing
$32,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,349.68
Your down payment$18,349.68
Closing costs + prepaids$14,617.52
Total buyer cash needed$32,967.20
Remaining funds due$32,967.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,026.75
Initial HOA (3 months)$315.00
Prepaid interest, first (19 days)$1,550.77
Fees + prepaids$14,617.52
Your down payment is the seller’s equity. You take over the $506,650 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $32,967.20 is due at closing. Uses and sources reconcile at $539,617.52 each. Not a Closing Disclosure.