Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,982Cash toward the purchase price.
Closing costs + prepaids$14,439Not just lender fees.
Before credits & paid funds$42,421The complete starting cash picture.
Estimated remaining funds due at closing
$42,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,981.91
Your down payment$27,981.91
Closing costs + prepaids$14,439.34
Total buyer cash needed$42,421.25
Remaining funds due$42,421.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,539.99
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)$713.00
Initial HOA (3 months)$1,524.00
Prepaid interest, first (2 days)$187.35
Fees + prepaids$14,439.34
Your down payment is the seller’s equity. You take over the $526,017 balance, so the rest of the $553,999 price is paid at closing. A second mortgage can cover part of it. $42,421.25 is due at closing. Uses and sources reconcile at $568,438.34 each. Not a Closing Disclosure.