Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,793Cash toward the purchase price.
Closing costs + prepaids$15,421Not just lender fees.
Before credits & paid funds$62,214The complete starting cash picture.
Estimated remaining funds due at closing
$62,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,793.35
Your down payment$46,793.35
Closing costs + prepaids$15,420.85
Total buyer cash needed$62,214.20
Remaining funds due$62,214.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$538.75
Prepaid interest, first (30 days)$2,857.10
Fees + prepaids$15,420.85
Your down payment is the seller’s equity. You take over the $508,207 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $62,214.20 is due at closing. Uses and sources reconcile at $570,420.85 each. Not a Closing Disclosure.