Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,930Cash toward the purchase price.
Closing costs + prepaids$16,119Not just lender fees.
Before credits & paid funds$52,049The complete starting cash picture.
Estimated remaining funds due at closing
$52,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,929.99
Your down payment$35,929.99
Closing costs + prepaids$16,118.51
Total buyer cash needed$52,048.50
Remaining funds due$52,048.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,619.00
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)$1,404.75
Prepaid interest, first (30 days)$2,619.76
Fees + prepaids$16,118.51
Your down payment is the seller’s equity. You take over the $525,970 balance, so the rest of the $561,900 price is paid at closing. A second mortgage can cover part of it. $52,048.50 is due at closing. Uses and sources reconcile at $578,018.51 each. Not a Closing Disclosure.