Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,239Cash toward the purchase price.
Closing costs + prepaids$15,098Not just lender fees.
Before credits & paid funds$48,337The complete starting cash picture.
Estimated remaining funds due at closing
$48,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,238.60
Your down payment$33,238.60
Closing costs + prepaids$15,097.97
Total buyer cash needed$48,336.56
Remaining funds due$48,336.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
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)$1,783.00
Prepaid interest, first (24 days)$1,289.97
Fees + prepaids$15,097.97
Your down payment is the seller’s equity. You take over the $521,761 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $48,336.56 is due at closing. Uses and sources reconcile at $570,097.97 each. Not a Closing Disclosure.