Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,467Cash toward the purchase price.
Closing costs + prepaids$16,354Not just lender fees.
Before credits & paid funds$54,821The complete starting cash picture.
Estimated remaining funds due at closing
$54,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,467.10
Your down payment$38,467.10
Closing costs + prepaids$16,353.50
Total buyer cash needed$54,820.60
Remaining funds due$54,820.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$829.75
Initial HOA (3 months)$492.00
Prepaid interest, first (31 days)$2,906.75
Fees + prepaids$16,353.50
Your down payment is the seller’s equity. You take over the $526,533 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $54,820.60 is due at closing. Uses and sources reconcile at $581,353.50 each. Not a Closing Disclosure.