Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$28,682Cash toward the purchase price.
Closing costs + prepaids$16,938Not just lender fees.
Before credits & paid funds$45,620The complete starting cash picture.
Estimated remaining funds due at closing
$45,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,681.70
Your down payment$28,681.70
Closing costs + prepaids$16,938.35
Total buyer cash needed$45,620.05
Remaining funds due$45,620.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.50
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)$1,746.50
Initial HOA (3 months)$525.00
Prepaid interest, first (24 days)$2,392.35
Fees + prepaids$16,938.35
Your down payment is the seller’s equity. You take over the $551,268 balance, so the rest of the $579,950 price is paid at closing. A second mortgage can cover part of it. $45,620.05 is due at closing. Uses and sources reconcile at $596,888.35 each. Not a Closing Disclosure.