Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,539Cash toward the purchase price.
Closing costs + prepaids$17,123Not just lender fees.
Before credits & paid funds$45,662The complete starting cash picture.
Estimated remaining funds due at closing
$45,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,538.94
Your down payment$28,538.94
Closing costs + prepaids$17,123.28
Total buyer cash needed$45,662.23
Remaining funds due$45,662.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,809.00
Prepaid interest, first (31 days)$3,240.28
Fees + prepaids$17,123.28
Your down payment is the seller’s equity. You take over the $531,361 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $45,662.23 is due at closing. Uses and sources reconcile at $577,023.28 each. Not a Closing Disclosure.