Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$40,182Cash toward the purchase price.
Closing costs + prepaids$13,496Not just lender fees.
Before credits & paid funds$53,678The complete starting cash picture.
Estimated remaining funds due at closing
$53,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,182.13
Your down payment$40,182.13
Closing costs + prepaids$13,496.32
Total buyer cash needed$53,678.45
Remaining funds due$53,678.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,340.00
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)$640.75
Initial HOA (3 months)$309.99
Prepaid interest, first (9 days)$730.58
Fees + prepaids$13,496.32
Your down payment is the seller’s equity. You take over the $493,818 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $53,678.45 is due at closing. Uses and sources reconcile at $547,496.32 each. Not a Closing Disclosure.