Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,977Cash toward the purchase price.
Closing costs + prepaids$12,724Not just lender fees.
Before credits & paid funds$45,701The complete starting cash picture.
Estimated remaining funds due at closing
$45,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,976.62
Your down payment$32,976.62
Closing costs + prepaids$12,724.46
Total buyer cash needed$45,701.08
Remaining funds due$45,701.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,370.00
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)$421.25
Initial HOA (3 months)$369.00
Prepaid interest, first (1 days)$89.21
Fees + prepaids$12,724.46
Your down payment is the seller’s equity. You take over the $504,023 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $45,701.08 is due at closing. Uses and sources reconcile at $549,724.46 each. Not a Closing Disclosure.