Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,380Cash toward the purchase price.
Closing costs + prepaids$15,719Not just lender fees.
Before credits & paid funds$47,099The complete starting cash picture.
Estimated remaining funds due at closing
$47,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,379.78
Your down payment$31,379.78
Closing costs + prepaids$15,718.74
Total buyer cash needed$47,098.51
Remaining funds due$47,098.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,295.50
Prepaid interest, first (24 days)$2,349.24
Fees + prepaids$15,718.74
Your down payment is the seller’s equity. You take over the $528,520 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $47,098.51 is due at closing. Uses and sources reconcile at $575,618.74 each. Not a Closing Disclosure.