Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,371Cash toward the purchase price.
Closing costs + prepaids$15,344Not just lender fees.
Before credits & paid funds$50,715The complete starting cash picture.
Estimated remaining funds due at closing
$50,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,370.70
Your down payment$35,370.70
Closing costs + prepaids$15,344.04
Total buyer cash needed$50,714.75
Remaining funds due$50,714.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,412.50
Prepaid interest, first (25 days)$1,806.54
Fees + prepaids$15,344.04
Your down payment is the seller’s equity. You take over the $529,629 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $50,714.75 is due at closing. Uses and sources reconcile at $580,344.04 each. Not a Closing Disclosure.