Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,846Cash toward the purchase price.
Closing costs + prepaids$16,100Not just lender fees.
Before credits & paid funds$43,945The complete starting cash picture.
Estimated remaining funds due at closing
$43,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,845.51
Your down payment$27,845.51
Closing costs + prepaids$16,099.91
Total buyer cash needed$43,945.41
Remaining funds due$43,945.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,400.00
Prepaid interest, first (28 days)$2,624.91
Fees + prepaids$16,099.91
Your down payment is the seller’s equity. You take over the $532,154 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $43,945.41 is due at closing. Uses and sources reconcile at $576,099.91 each. Not a Closing Disclosure.