Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$44,253Cash toward the purchase price.
Closing costs + prepaids$14,003Not just lender fees.
Before credits & paid funds$58,255The complete starting cash picture.
Estimated remaining funds due at closing
$58,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,252.76
Your down payment$44,252.76
Closing costs + prepaids$14,002.50
Total buyer cash needed$58,255.26
Remaining funds due$58,255.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$672.00
Initial HOA (3 months)$180.00
Prepaid interest, first (12 days)$1,076.50
Fees + prepaids$14,002.50
Your down payment is the seller’s equity. You take over the $515,647 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $58,255.26 is due at closing. Uses and sources reconcile at $573,902.50 each. Not a Closing Disclosure.