Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,034Cash toward the purchase price.
Closing costs + prepaids$14,738Not just lender fees.
Before credits & paid funds$53,772The complete starting cash picture.
Estimated remaining funds due at closing
$53,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,033.71
Your down payment$39,033.71
Closing costs + prepaids$14,737.83
Total buyer cash needed$53,771.55
Remaining funds due$53,771.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$837.25
Prepaid interest, first (25 days)$2,075.58
Fees + prepaids$14,737.83
Your down payment is the seller’s equity. You take over the $495,966 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $53,771.55 is due at closing. Uses and sources reconcile at $549,737.83 each. Not a Closing Disclosure.