Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$18,350Cash toward the purchase price.
Closing costs + prepaids$14,536Not just lender fees.
Before credits & paid funds$32,886The complete starting cash picture.
Estimated remaining funds due at closing
$32,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,349.68
Your down payment$18,349.68
Closing costs + prepaids$14,535.90
Total buyer cash needed$32,885.58
Remaining funds due$32,885.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$1,026.75
Initial HOA (3 months)$315.00
Prepaid interest, first (18 days)$1,469.15
Fees + prepaids$14,535.90
Your down payment is the seller’s equity. You take over the $506,650 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $32,885.58 is due at closing. Uses and sources reconcile at $539,535.90 each. Not a Closing Disclosure.