Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,826Cash toward the purchase price.
Closing costs + prepaids$15,715Not just lender fees.
Before credits & paid funds$45,541The complete starting cash picture.
Estimated remaining funds due at closing
$45,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,826.29
Your down payment$29,826.29
Closing costs + prepaids$15,714.54
Total buyer cash needed$45,540.83
Remaining funds due$45,540.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.99
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)$458.50
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$2,982.05
Fees + prepaids$15,714.54
Your down payment is the seller’s equity. You take over the $540,173 balance, so the rest of the $569,999 price is paid at closing. A second mortgage can cover part of it. $45,540.83 is due at closing. Uses and sources reconcile at $585,713.54 each. Not a Closing Disclosure.