Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$22,533Cash toward the purchase price.
Closing costs + prepaids$14,283Not just lender fees.
Before credits & paid funds$36,816The complete starting cash picture.
Estimated remaining funds due at closing
$36,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,533.17
Your down payment$22,533.17
Closing costs + prepaids$14,282.98
Total buyer cash needed$36,816.15
Remaining funds due$36,816.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,390.00
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)$428.50
Initial HOA (3 months)$285.00
Prepaid interest, first (19 days)$1,704.48
Fees + prepaids$14,282.98
Your down payment is the seller’s equity. You take over the $516,467 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $36,816.15 is due at closing. Uses and sources reconcile at $553,282.98 each. Not a Closing Disclosure.