Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,611Cash toward the purchase price.
Closing costs + prepaids$16,184Not just lender fees.
Before credits & paid funds$56,795The complete starting cash picture.
Estimated remaining funds due at closing
$56,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,611.17
Your down payment$40,611.17
Closing costs + prepaids$16,183.68
Total buyer cash needed$56,794.86
Remaining funds due$56,794.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,748.99
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)$1,197.50
Prepaid interest, first (30 days)$2,762.19
Fees + prepaids$16,183.68
Your down payment is the seller’s equity. You take over the $534,288 balance, so the rest of the $574,899 price is paid at closing. A second mortgage can cover part of it. $56,794.86 is due at closing. Uses and sources reconcile at $591,082.68 each. Not a Closing Disclosure.