Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,734Cash toward the purchase price.
Closing costs + prepaids$14,638Not just lender fees.
Before credits & paid funds$49,372The complete starting cash picture.
Estimated remaining funds due at closing
$49,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,734.16
Your down payment$34,734.16
Closing costs + prepaids$14,638.32
Total buyer cash needed$49,372.48
Remaining funds due$49,372.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$2,021.25
Prepaid interest, first (2 days)$143.07
Fees + prepaids$14,638.32
Your down payment is the seller’s equity. You take over the $565,166 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $49,372.48 is due at closing. Uses and sources reconcile at $614,538.32 each. Not a Closing Disclosure.