Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,005Cash toward the purchase price.
Closing costs + prepaids$15,458Not just lender fees.
Before credits & paid funds$41,462The complete starting cash picture.
Estimated remaining funds due at closing
$41,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,004.79
Your down payment$26,004.79
Closing costs + prepaids$15,457.52
Total buyer cash needed$41,462.30
Remaining funds due$41,462.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$705.50
Prepaid interest, first (31 days)$2,777.03
Fees + prepaids$15,457.52
Your down payment is the seller’s equity. You take over the $523,994 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $41,462.30 is due at closing. Uses and sources reconcile at $565,456.52 each. Not a Closing Disclosure.