Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,574Cash toward the purchase price.
Closing costs + prepaids$15,667Not just lender fees.
Before credits & paid funds$51,241The complete starting cash picture.
Estimated remaining funds due at closing
$51,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,573.56
Your down payment$35,573.56
Closing costs + prepaids$15,667.29
Total buyer cash needed$51,240.86
Remaining funds due$51,240.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,337.50
Prepaid interest, first (27 days)$2,504.79
Fees + prepaids$15,667.29
Your down payment is the seller’s equity. You take over the $499,426 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $51,240.86 is due at closing. Uses and sources reconcile at $550,667.29 each. Not a Closing Disclosure.