Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,533Cash toward the purchase price.
Closing costs + prepaids$7,059Not just lender fees.
Before credits & paid funds$39,591The complete starting cash picture.
Estimated remaining funds due at closing
$39,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,532.66
Your down payment$32,532.66
Closing costs + prepaids$7,058.50
Total buyer cash needed$39,591.17
Remaining funds due$39,591.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$599.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$108.75
Prepaid interest, first (28 days)$125.75
Fees + prepaids$7,058.50
Your down payment is the seller’s equity. You take over the $27,367 balance, so the rest of the $59,900 price is paid at closing. A second mortgage can cover part of it. $39,591.17 is due at closing. Uses and sources reconcile at $66,958.50 each. Not a Closing Disclosure.