Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$58,768Cash toward the purchase price.
Closing costs + prepaids$15,070Not just lender fees.
Before credits & paid funds$73,838The complete starting cash picture.
Estimated remaining funds due at closing
$73,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,767.64
Your down payment$58,767.64
Closing costs + prepaids$15,069.89
Total buyer cash needed$73,837.54
Remaining funds due$73,837.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$408.50
Prepaid interest, first (31 days)$2,737.39
Fees + prepaids$15,069.89
Your down payment is the seller’s equity. You take over the $486,132 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $73,837.54 is due at closing. Uses and sources reconcile at $559,969.89 each. Not a Closing Disclosure.