Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,494Cash toward the purchase price.
Closing costs + prepaids$15,170Not just lender fees.
Before credits & paid funds$52,663The complete starting cash picture.
Estimated remaining funds due at closing
$52,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,493.75
Your down payment$37,493.75
Closing costs + prepaids$15,169.64
Total buyer cash needed$52,663.39
Remaining funds due$52,663.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$414.75
Prepaid interest, first (31 days)$2,780.89
Fees + prepaids$15,169.64
Your down payment is the seller’s equity. You take over the $512,406 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $52,663.39 is due at closing. Uses and sources reconcile at $565,069.64 each. Not a Closing Disclosure.