Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,611Cash toward the purchase price.
Closing costs + prepaids$15,539Not just lender fees.
Before credits & paid funds$56,150The complete starting cash picture.
Estimated remaining funds due at closing
$56,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,611.17
Your down payment$40,611.17
Closing costs + prepaids$15,539.17
Total buyer cash needed$56,150.35
Remaining funds due$56,150.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,748.99
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)$1,197.50
Prepaid interest, first (23 days)$2,117.68
Fees + prepaids$15,539.17
Your down payment is the seller’s equity. You take over the $534,288 balance, so the rest of the $574,899 price is paid at closing. A second mortgage can cover part of it. $56,150.35 is due at closing. Uses and sources reconcile at $590,438.17 each. Not a Closing Disclosure.