Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,823Cash toward the purchase price.
Closing costs + prepaids$14,879Not just lender fees.
Before credits & paid funds$60,702The complete starting cash picture.
Estimated remaining funds due at closing
$60,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,823.24
Your down payment$45,823.24
Closing costs + prepaids$14,879.01
Total buyer cash needed$60,702.25
Remaining funds due$60,702.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Prepaid interest, first (31 days)$1,416.51
Fees + prepaids$14,879.01
Your down payment is the seller’s equity. You take over the $513,177 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $60,702.25 is due at closing. Uses and sources reconcile at $573,879.01 each. Not a Closing Disclosure.