Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$32,195Cash toward the purchase price.
Closing costs + prepaids$15,693Not just lender fees.
Before credits & paid funds$47,888The complete starting cash picture.
Estimated remaining funds due at closing
$47,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,195.33
Your down payment$32,195.33
Closing costs + prepaids$15,692.72
Total buyer cash needed$47,888.05
Remaining funds due$47,888.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.00
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)$1,349.75
Prepaid interest, first (25 days)$2,468.97
Fees + prepaids$15,692.72
Your down payment is the seller’s equity. You take over the $507,705 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $47,888.05 is due at closing. Uses and sources reconcile at $555,592.72 each. Not a Closing Disclosure.