Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,138Cash toward the purchase price.
Closing costs + prepaids$14,432Not just lender fees.
Before credits & paid funds$54,570The complete starting cash picture.
Estimated remaining funds due at closing
$54,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,137.94
Your down payment$40,137.94
Closing costs + prepaids$14,431.78
Total buyer cash needed$54,569.72
Remaining funds due$54,569.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$905.25
Prepaid interest, first (28 days)$1,901.53
Fees + prepaids$14,431.78
Your down payment is the seller’s equity. You take over the $474,862 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $54,569.72 is due at closing. Uses and sources reconcile at $529,431.78 each. Not a Closing Disclosure.