Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$40,313Cash toward the purchase price.
Closing costs + prepaids$17,901Not just lender fees.
Before credits & paid funds$58,214The complete starting cash picture.
Estimated remaining funds due at closing
$58,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,313.22
Your down payment$40,313.22
Closing costs + prepaids$17,900.74
Total buyer cash needed$58,213.97
Remaining funds due$58,213.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.99
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)$1,450.00
Initial HOA (3 months)$1,320.00
Prepaid interest, first (29 days)$2,855.75
Fees + prepaids$17,900.74
Your down payment is the seller’s equity. You take over the $539,686 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $58,213.97 is due at closing. Uses and sources reconcile at $597,899.74 each. Not a Closing Disclosure.