Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,854Cash toward the purchase price.
Closing costs + prepaids$12,716Not just lender fees.
Before credits & paid funds$35,570The complete starting cash picture.
Estimated remaining funds due at closing
$35,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,853.69
Your down payment$22,853.69
Closing costs + prepaids$12,715.88
Total buyer cash needed$35,569.56
Remaining funds due$35,569.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,430.00
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)$498.25
Initial HOA (3 months)$215.01
Prepaid interest, first (1 days)$97.62
Fees + prepaids$12,715.88
Your down payment is the seller’s equity. You take over the $520,146 balance, so the rest of the $543,000 price is paid at closing. A second mortgage can cover part of it. $35,569.56 is due at closing. Uses and sources reconcile at $555,715.88 each. Not a Closing Disclosure.