Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,820Cash toward the purchase price.
Closing costs + prepaids$12,183Not just lender fees.
Before credits & paid funds$30,002The complete starting cash picture.
Estimated remaining funds due at closing
$30,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,819.87
Your down payment$17,819.87
Closing costs + prepaids$12,182.59
Total buyer cash needed$30,002.46
Remaining funds due$30,002.46
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)$19.25
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$93.34
Fees + prepaids$12,182.59
Your down payment is the seller’s equity. You take over the $516,180 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $30,002.46 is due at closing. Uses and sources reconcile at $546,182.59 each. Not a Closing Disclosure.