Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,574Cash toward the purchase price.
Closing costs + prepaids$16,929Not just lender fees.
Before credits & paid funds$46,503The complete starting cash picture.
Estimated remaining funds due at closing
$46,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,574.20
Your down payment$29,574.20
Closing costs + prepaids$16,928.80
Total buyer cash needed$46,503.00
Remaining funds due$46,503.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,746.00
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$2,532.80
Fees + prepaids$16,928.80
Your down payment is the seller’s equity. You take over the $565,426 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $46,503.00 is due at closing. Uses and sources reconcile at $611,928.80 each. Not a Closing Disclosure.