Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,463Cash toward the purchase price.
Closing costs + prepaids$16,427Not just lender fees.
Before credits & paid funds$56,890The complete starting cash picture.
Estimated remaining funds due at closing
$56,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,462.95
Your down payment$40,462.95
Closing costs + prepaids$16,426.58
Total buyer cash needed$56,889.53
Remaining funds due$56,889.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,375.00
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$2,716.59
Fees + prepaids$16,426.58
Your down payment is the seller’s equity. You take over the $509,536 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $56,889.53 is due at closing. Uses and sources reconcile at $566,425.58 each. Not a Closing Disclosure.