Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$40,252Cash toward the purchase price.
Closing costs + prepaids$16,158Not just lender fees.
Before credits & paid funds$56,411The complete starting cash picture.
Estimated remaining funds due at closing
$56,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,252.27
Your down payment$40,252.27
Closing costs + prepaids$16,158.44
Total buyer cash needed$56,410.70
Remaining funds due$56,410.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,440.00
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)$1,786.75
Initial HOA (3 months)$201.00
Prepaid interest, first (24 days)$2,255.69
Fees + prepaids$16,158.44
Your down payment is the seller’s equity. You take over the $503,748 balance, so the rest of the $544,000 price is paid at closing. A second mortgage can cover part of it. $56,410.70 is due at closing. Uses and sources reconcile at $560,158.44 each. Not a Closing Disclosure.