Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$26,715Cash toward the purchase price.
Closing costs + prepaids$15,146Not just lender fees.
Before credits & paid funds$41,861The complete starting cash picture.
Estimated remaining funds due at closing
$41,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,714.91
Your down payment$26,714.91
Closing costs + prepaids$15,145.90
Total buyer cash needed$41,860.81
Remaining funds due$41,860.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,495.00
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 (25 days)$1,392.90
Fees + prepaids$15,145.90
Your down payment is the seller’s equity. You take over the $522,785 balance, so the rest of the $549,500 price is paid at closing. A second mortgage can cover part of it. $41,860.81 is due at closing. Uses and sources reconcile at $564,645.90 each. Not a Closing Disclosure.